By leveraging options like seller financing, private loans, partnerships, or subject to deals, investors gain flexibility in structuring payments and ownership, which directly impacts how income, interest, and depreciation are taxed.

I’ve seen how having access to flexible lending can help investors manage rehab costs without overextending.

I know many buyers seek it for key advantages over traditional bank loans, including more flexible terms, a faster closing process, and more lenient qualification requirements.

And I'm a HUGE proponent of building up large taxable accounts as they give you a crazy amount of flexibility both before, and during retirement. 

Clear communication and flexible scheduling also go a long way.

STRs in smaller markets are tricky — a couple soft months can kill your return.If it were me, I’d either:Negotiate harder on price (closer to payoff, not $240k),Or pivot this into a lease option or seller carry that minimizes your upfront cash and risk.You’re not crazy for exploring it — it’s just a thin deal unless the seller’s super flexible.

By thinking ahead, you can minimize your tax burden and maximize flexibility for future opportunities.Equally important is safeguarding what you’re working so hard to build.

And if they try to qualify by gifting or selling assets for less than fair market value within five years of applying for long-term care Medicaid, the state can impose a “Medicaid penalty period” during which they’re ineligible.So, the idea here isn’t that she wants to reduce her current income to qualify it’s that she wants the flexibility to transfer assets without triggering that penalty.

For a HELOC, definitely shop around for rates and flexible draw terms.

Most of my focus is on commercial multifamily and select industrial/flex, but I stay open to other opportunities that check the boxes for my capital partners.I’m also big on creative structures when it makes sense…seller finance, assumable debt, JV flexibility.