@Borja Antolin Pargada@Maria MurphyFrom my perspective as a property owner on both sides of the Atlantic, including Spain (and spreading my time between both sides), I strongly disagree with your comments, especially when I'm so grateful that my Spanish bank gives me what's akin to free money, even though I'm neither a Spanish resident nor a Spanish nationalBorja, as @Erwin Groenendijk hinted, your list about what's wrong about Spanish real estate investing might be a bit over the top (a lot in my humble opinion) and I could write an equivalent list about why you shouldn't invest in the US or in any other country for that matter.

Your borrower profile should include credit score, yes, but also their education, employment, and (where possible) history of obtaining other loans. 

The only question would be how to include your 2 small commercial units in the blanket loan. 

The higher bids include creating a slight slope using varying thicknesses of insulation under the membrane.We've encountered a few different options in the quotes:Reinforced EPDM vs. 60 mil membrane: One roofer suggested reinforced EPDM for superior puncture resistance, while others argue that upgrading from a 45 mil to a 60 mil membrane is sufficient for occasional foot traffic (for inspections), falling debris, and hail.Attachment methods: Some roofers propose mechanical attachment (especially for reinforced EPDM), while others prefer an adhesive method.We're seeking advice from anyone with experience in EPDM roof installations.

They have had repairs through the years including roof replacements, AC replacements and one having foundation repairs.

I’m talking about upper middle class quality furniture and furnishings withEVERYTHING included.  

Proper planning can also improve your negotiating position in legal disputes and potentially lead to more favorable outcomes.To navigate these areas effectively, I strongly recommend working with qualified professionals, including a knowledgeable tax advisor who understands real estate and a seasoned asset protection attorney familiar with your specific goals and risk profile.

Real agents and property managers might have a of list of people including contractors.

Some popular books include "Rich Dad Poor Dad" by Robert Kiyosaki and "The Millionaire Real Estate Investor" by Gary Keller.Study your local real estate market to understand trends, property values, and neighborhoods.

To prevent it: record a memo against title and include clear remedies if seller defaults.