Most of my background has been centered around income-producing properties and the different ways deals get structured, evaluated, and financed across markets.Over the years I’ve had the opportunity to see a wide range of projects — from single-family rentals and short-term rentals to multifamily and transitional properties — and I’ve learned how much the numbers, the structure, and the timing matter just as much as the property itself.I joined BiggerPockets to connect with other investors, share insights, and learn from people who are actively in the trenches.

Inherited a 3/2 single-family property in rural Mississippi that is approximately 90% complete.Remaining work: ~ $20,000Back property taxes: ~ $6,500Family loan ($10,000) can be repaid at closingEstimated finished value: realistically $120,000–$140,000 (not assuming top-end pricing).We believe we would need approximately $25,000–$30,000 to finish the property cleanly and list it for sale, though we are pressure-testing that assumption.Challenge:• Thin credit file on my end (695 score, limited history)• Husband has income but prior negative credit history• Seasonal and variable income (no stable W2 employment)• We cannot support required monthly loan paymentsWe are specifically trying to determine whether a short-term loan (6–12 months), secured by the property, with interest-only or accrued interest payable at closing, is realistic in this scenario.Questions for experienced investors:Are loans structured with accrued interest (paid entirely at closing) realistic for a borrower profile like this?

Hi @Benjamin Aaker I would structure the fee as a % of transaction price and pay only when closed.

Do loan structures influence how aggressively you reinvest into upgrades?

The way I usually frame this decision is that you’re really comparing two different financial structures, not just two property types. 

The property is currently under contract and moving through due diligence while financing and partnership structure are finalized.

I simply had a large house and realized that renting by the room created far more income than renting the property as a traditional single-family lease.Over time the property evolved into something more structured.

For me it started as a mental framework that I refined over time through a lot of trial and error — and honestly, some mistakes that could have been avoided if I had been more intentional upfront.What I found is that most people have a general sense of what they want but haven't actually written it down in a structured way.

either the deal works based on the numbers or it doesn't.certainly new investors should not start with major structural issues or gut rehabs...what are you trying to accomplish?

Programs like this tend to bundle three things together:Education (how deals work, underwriting basics, deal structure)Templates / tools (contracts, LOIs, underwriting spreadsheets)Community / coaching (masterminds, Slack groups, networking)Those can absolutely be helpful if someone is brand new and wants a structured path.