I know when you opt for a 3o year on a I/O 5/6 Arm for example the first 5 years are locked at interest only and you simply refinance on 3-5 years.

It's like they're playing dartboard with a blindfold and a broken arm.

Just make sure it’s titled in both your names if you both go on the loan.Option 3: Use Cash — Least Risk, Least LeverageUsing your HYSA/CDs can make the deal stress-free and get you better pricing with sellers (cash closes move fast)But: It kills your liquidity and limits scalabilityIn an inflationary market, your cash is losing purchasing power unless it's working for youA smart hybrid: Use cash for down payment + closing, finance the rest with a loan (conventional or DSCR), and keep the HELOC untouched as a backup reserve or for rehab funds.My Recommendation: The “Hybrid Stack”Based on your situation, here’s a strong game plan:Use the HELOC for the down payment (this lets your cash stay liquid and interest-only eases the early cash flow drag)Finance the rest with a conventional loan (fixed rate, long-term hold benefits)Keep your cash reserve as a safety net for capex, vacancy, or a second dealThis gives you:Flexibility (via HELOC)Stability (via 30-year mortgage)Liquidity (keep your cash!)

I'm considering buying a pre-construction home in East Bay, CA. known person from long time, now he becomes a developer. Developer (new to construction) plan to build 5 homes, they have city approvals and permits, wit...

This can be arranged through private banking arms of firms like Schwab, Merrill Lynch, or JPMorgan.

These aren’t cosmetic fixes; they’re essential systems that affect safety, functionality, and long-term value.Given the $1,500 plumbing bid and a $16,000 HVAC replacement (plus other minor repairs), asking for a $10,000 price reduction or credit toward closing costs is very reasonable, not greedy.

I would have the safety net of $40,000+ sitting in an investment account, and Ill try to save as much as possible per month to counter any large vacancies in possible recession.

In many states, assessors are required to use fair market value (FMV) for tax purposes, regardless of sale price especially if the sale is non-arm’s length like selling to an entity you control.3.

Some say because it is not prohibited specifically we will use an arms length transaction and it is fine. 

@Ryan SingWhile an IRA may be used to invest in real estate in many ways, it is not designed to provide additional capital to your flipping business.As a tax-sheltered vehicle, all investments of the IRA must be conducted at arm's length and exclusively for the benefit of the IRA.