If the property is held in a revocable trust where you and your husband are the sole trustees, most conventional lenders are comfortable with that structure, especially since your husband’s W2 income makes qualifying straightforward and allows you to secure strong rates.Using a conventional cash-out refinance in your situation is actually a very common approach when borrowers can qualify easily.

I'll be soo happy if we make it to a calmer political environment--one that lets capitalism do its thing without as much cronyism, cheating, manipulating, grandstanding, uncertainty and volatility, partisanship, and even, yes, authoritarianism. .image source: Marcus & Millichap

One thing I’ve noticed after spending a lot of time on the lead generation and opportunity sourcing side of real estate is that many investors have the skills, capital, and systems to close deals, but the real bottleneck is consistent deal flow.Because of the work I do, I spend a large portion of my time connecting with motivated property owners and identifying potential opportunities before they ever hit the market.

Also, if you can you please cite the correct source document and or IRS section that supports the 27 1/2 or the 39 year depreciation length?

I just had a call with them and curious of both the sourcing/setup and ongoing experience with them. 

Market rent growth for 2022 and 2023 in San Diego was near 10% depending on source of your numbers.  

I dont see why you would have to place yourself on payroll to qualify for a loan if you are a sole member of the entity.

Local business is preferred but willing to source outside of state. 

I recently closed on a property in Grand Rapids and am looking to scale into the 5–10 unit range, but inventory feels extremely thin right now.Curious where people are sourcing deals lately — brokers, wholesalers, direct to seller, or mostly off-market relationships?

Obviously this has created quite the concern for us as this is our primary source of background checks.