IE sell re .. manage RE  sell commercial RE  leasing agent.. go on the money side and be a mortgage broker etc etc.Lots of ave all of them profitable if done right.. investing will always be there.. built your money funnel FIRST.. then invest.

He's Still Paying the Mortgage on His Ex-Girlfriend's $350K House—And Has Zero Legal RightsA viral financial horror story exposes the dangerous pitfalls of buying property with an unmarried partner—and why legal protections matter more than romantic trust.A recent YouTube short from financial content creator Caleb Hammer has sparked widespread discussion about one of the most costly mistakes young couples can make: buying a home together without proper legal protections.The story, which has resonated with thousands of viewers, centers on an unmarried man who contributed to purchasing a $350,000 house with his girlfriend, only to discover he had zero legal ownership when their relationship ended just months later.https://news.yahoo.com/news/finance/news/hes-still-paying-mo...When Reality Hit HardThe relationship deteriorated rapidly after the home purchase, with the couple breaking up after living together for only a couple of months.

Our rates were cheaper, due to offering new listing discounts initially.  

The vesting should be appropriate at the time of closing on the mortgage.

@Basit SiddiqiYes, Spain is generally more attractive than the UK for most people, among other things for the reasons you mentioned and also properties are much cheaper generally speaking.I haven't tried to get a mortgage in the UK but I highly suspect it's actually easier for a foreigner to get one in Spain, where it's actually quite easy, provided that you're creditworthy of course.

Cash-Out RefinancePros:Fixed-rate loan gives you certainty in monthly payments—big plus for investors.Cash out now = immediate funds for your next deal or two.When rents go up (and they will over time), your cashflow dip is temporary—eventually the loan gets cheaper relative to income.Cons:Yes, you’ll lose some cashflow right away because of the new mortgage.Closing costs and time to fund can be higher than a line of credit.2.

The garage conversion was mainly started to create a space for me to live so I can rent out the main house so I am not carrying the mortgage alone and don’t have to resort to renting and paying someone else’s mortgage.I do however hope that property values in this area will increase over time as I see a lot of growth in my area and diverse quality of housing on my street and surrounding streets. 

On the other hand, I worry whether my unit will get rented or stay on the market while I'm paying my personal home mortgage and the rental mortgage, which could drain my cash flow and hurt my investment if I just got a not-so-great unit. 

Quote from @Fernando Alonso: Hey Joe,Welcome to the wild world of Florida foreclosure auctions.You're asking a great and very common question, so let me try to clarify it as simply as possible.Under Florida law, the money paid over the judgment amount at auction is called a "surplus", and it follows a very specific distribution order:1) Junior lienholders to the foreclosed mortgage get first crack at the surplus.2) If anything remains, the previous owner (or their heirs) can claim it.3) If no one claims it after 1 year, the winning bidder (you) can try to recover it.4) After a few years, unclaimed funds eventually go to the Florida Department of Education.Now, here’s the key part for your case:The HOA lien is not a junior lien to the foreclosed mortgage unless it was formally recorded after the mortgage and named in the foreclosure complaint.

Moving it into an LLC later may trigger a “due-on-sale” clause unless handled carefully.Bottom line: With just one rental, it’s often simpler and cheaper to keep it in your name, get solid insurance, and revisit forming an LLC once you scale.