It can be one replacement property or multiple replacement properties Another option would be to complete your exchange and do a cash-out refi of the newly purchased property, which would give you access to 75-80% of your equity tax-free that you could put towards any renovations.

An LLC is not free.

In her personal life, she is involved with someone who deals drugs, as they do drugs and are involved in illegal activities.

Definitely reach out a loan officer.

A rerun to office culture suggests many people who live in Florida will be moving away potentially to the Northeast.

Check-Writing and Payment OptionsDo they offer free checks or digital check-writing?

Many hard money lenders will be happy to educate you about their program for free so you can refer borrowers to them.

Deal activity fell 3.9% as investors shifted into full "wait-and-see" mode amid policy uncertainty and economic headwinds.The sector breakdown tells a stark story:Retail led declines at -40%Office fell 11.4% (though lending surged 205%)Apartments dropped 9.6% but still topped volume at $9.2BIndustrial bucked the trend, rising 25.7%Investor sentiment reflects this widespread caution: 70% now recommend "hold" strategies—up 14 points from last quarter—while only 23% favor buying and just 7% are selling.

I know you don't want to hear this, but I haven't seen someone be a good loan officer and hold a full-time role in a non-real estate-related field.

Feel free to PM me.