@Zeni Kharel As a high-income earner, your priority should be to first eliminate guaranteed losses (like high-interest debt), then layer in contributions to accounts that give you the strongest tax advantages.

One thing I’ve noticed in the note space is how creative deals can get.Some sellers want partial buyouts, while buyers sometimes structure flexible terms.I’m curious what’s the most creative or effective deal structure you’ve used when buying or selling notes?

Is it the ability to find cheap housing stock, the high rental demand, or something else that helps you recycle your capital effectively?

One thing I’ve noticed in the note space is how creative deals can get.Some sellers want partial buyouts, while buyers sometimes structure flexible terms.I’m curious — what’s the most creative or effective deal structure you’ve used when buying or selling notes?

both my places are in the 19th ward & I have a few good friends there that have shown me what areas are good and bad, I ultimately am turned off by the taxes I paying for NY which effects the viability to seek more deals there.

If both LLC members are guarantors, is the member being bought out expecting their guaranteed requirements to be eliminated? 

It is cost effective.

Like I said, it takes 3-5 days to take effect, but it's a life saver.

What strategies or loan types have you found effective for refinancing in the current market?

Since you do not have an agreement with the PM you can technically cancel effective immediately.