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.

To reach the structure, termites build visible dirt tunnels from the soil up.

In real estate, the difference between a good CPA and a great one can literally mean tens of thousands in tax savings and faster wealth accumulation through strategic entity structuring and cost segregation.

You’re in the spot a lot of owners hit — it’s not a “good vs bad” choice, it’s a risk vs certainty decision.Right now the numbers are telling you something important: as a rental, this property is structurally negative by about $1,200/month.

If you don’t need the capital and the unit is structurally solid, fixing and renting often wins on a long-term wealth basis.

​Loan structure can influence reserve requirements, renovation timing, and long-term maintenance planning.​​Property managers: how much does financing affect your operational decisions day-to-day?

Also, connecting with experienced investors through meetups, forums, or local networking groups can give you insight into deal sourcing, raising capital, and structuring partnerships.

If so, how are you structuring pricing and expectations?

There are a handful of lenders/partners that will still look at smaller balance DSCR deals if the numbers and condo structure make sense.Happy to compare notes or point you in the right direction if you’re still working through it.