Yes, a business line of credit can be used toward a down payment in certain situations, but how it is treated depends on the loan type and how the deal is structured.

I was thinking maybe its a series LLC type structure I see that in Chicago.

You may need to structure the lease differently than renting by the room if you will need the rental income to qualify.

But the underlying issue is far more important than where it was posted.If you source a deal, collect a finder’s fee or a brokerage commission.If you advance deposit or escrow funds, structure it as a reimbursable advance with a fee or preferred return.

Proactive tax planning helps you leverage deductions, choose optimal structures, and keep more of what you earn.

Interesting structure with the trust.

I recently worked with a California homeowner who completed a 1031 exchange into two long-term rental properties in the Grand Rapids, MI area.The goal was to reposition equity from a higher-cost market into Midwest rentals with more stable cash flow, while coordinating both acquisitions and financing remotely.We focused on rent-ready properties rather than heavy rehabs, and structured the purchases together to keep timelines aligned and reduce execution risk.Curious what others are seeing right now in Grand Rapids in terms of pricing, rent-to-value ratios, or investor demand compared to prior years.

That mindset feels especially important right now, with underwriting and operations doing a lot more of the heavy lifting than they did a few years ago.I’m based in the Midwest and spend a lot of time thinking about how deals actually hold up post-close, especially around debt structure and operational assumptions.

Getting that match right is critical and, in my opinion, one of the most important location-driven decisions you’ll make.I’m based in the north/northeast Atlanta area and work primarily with investors, so happy to trade notes or help point you toward submarkets, deal structures, or local resources as you think this through.

This is where having someone run the full picture matters.Looking ahead, it would also be worth reviewing how your other income and real estate activities are structured from an entity and tax standpoint.