Hi Guys,I am currently under contract on a duplex in Sacramento CA - the unit was built in 1973 and I wanted to make sure that I am doing my due diligence with ensuring that the condition of the property is up to standard.

Most investors I know start by buying in their personal name to get better mortgage rates and then layer on an insurance policy for asset protection.Before spending thousands on a setup, just have a conversation with your CPA.

Large garage had two layers which was unexpected. 

DSCR rural properties are even more difficult because you are adding an additional layer of risk by reducing the amount of income documentation for ATR (ability to repay) which further poses risk to the bank. 

Additionally, some landlords include ordinance or law coverage, which helps cover the increased costs associated with complying with new building codes when repairing or replacing damaged structures.Umbrella insurance is another consideration, providing an extra layer of liability protection beyond the limits of standard policies.

Higher Security Deposits:Landlords may opt to require a higher security deposit from international tenants as an added layer of protection.

I have umbrella insurance under my personal names currently so I'm wondering if the umbrella insurance would cover me in the event of some liabilityQuestions:- Am I better off keeping the rentals in my name since I have umbrella insurance?

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

Speed matters in competitive markets, but so does accuracy.So here’s my simple, no-fluff framework to underwrite a rental property in under 30 minutes.

Full construction financing will be layered in once entitlement is locked and pre-lease discussions begin.