We don't shy away from renovations but prefer operational value add (where we can restructure on property management, create a better guest experience, upsell/downsell at the front desk, etc)!

The firm tried to give investors hope they might recover something in restructuring an investment, but the timeframe was years out and it would be a tiny recovery.

Seeing more landlords refinance to adjust monthly cash flow or restructure older loans.Some are pulling out capital for repairs, expansions, or new acquisitions.If you’ve done a recent refinance on your rentals, did it improve operations for you?

The catch is you may need to restructure a number of things in your life in order to optimize the results.  

If you’re restructuring a BRRRR deal or repositioning a flip, don’t just chase lower rates — look at how to structure the loan for stronger cash flow or faster execution.In my experience as a private money loan broker, investors who approach 2025 with a readiness mindset (updated docs, clear exit plans, access to alternative funding) are the ones who’ll capture the best deals as the market resets.Curious to hear how others are financing their pivots — are you tightening, holding, or preparing to scale?

Retirement contributions reduce your available cash, so you may decide against it, although my personal advice is to always fund retirement.An S-corp mentioned in another response will not help you much - if at all, considering you also have a W2 job.If you're not pulling your profits but reinvesting all of them into business, you may want to consider restructuring your business as a C-corp.

Once you know that, you can decide if bringing in a partner or restructuring the deal makes more sense.

I wanted to house hack but that is not an option anymore because my new wife is totally against it so I am restructuring my plan to get started.

Quote from @Barbara Johannsen: What’s your preferred move — hold, flip, or restructure?

Many private lenders would rather restructure than risk a default or legal battle that nets them nothing.Get legal clarity - Before listing, confirm your state’s foreclosure and lien release procedures.