I would also look at the joists and structure.

Congrats on locking up a strong deal, this is exactly the moment where structure and timing matter.

Typically, credit unions dont sell their members' notes because of their Cooperative-like structure, but they can change servicers at any time.  

For long-term holds, we structure debt with survivability first, optimization second.A few core principles we follow:1.

Having been through many different investing strategies and cycles over the years, I’ve found that adapting structure and staying disciplined with underwriting allows you to keep moving forward, even as conditions change.

If you structure the first deal conservatively, it becomes much easier to attract capital going forward.

What i have done for many of my clients however is structuring the deal with a tiny bump in price and ask for 10k+ as a closing cost credit in the offer.

Stress-testing DSCR earlier doesn’t kill deals — it usually just forces better structure and pacing.Appreciate the lender-side perspective. 

I'd suggest putting all your efforts into acquiring the property as quickly as possible and worry less about entity structure until it's really necessary.Entity structures (LLC, Incorp, etc.) are asset protection not a tax strategy just fyi.

I'm a big fan of building equity and structure my deals for equity build over cash flow.