One thing I wasn’t totally sure from your post was whether “mid-term” meant a rental strategy (furnished, 3–6 month stays) or just your investment horizon.

You also can get rates lower than 6.50% right now and you can also elect to take a 40 year or I/O interest Only for the first -3 years to help maximize the initial cash flow.

If your STR has a killer cash flow - great, this is how it's meant to be!

That analysis will compare whether it makes sense to remain as LLCs, elect S-Corp, or even consider a C-Corp.

Because the board has the power to set the rules, it is clear that a new board could reverse the rule banning STR's, so we are currently trying to get a majority on the board through elections. 

They’d been avoiding calls, ignoring letters, and living with this quiet dread that it was all too late.Here’s what struck me: once we walked through what foreclosure actually meant — the process, the timeline, and the possible solutions — their whole mindset changed.

As doors grow, many investors place properties in separate LLCs (or a holding-company with subsidiaries) to ring-fence risk.Operating agreements: DIY OAs often miss: 704(b) capital accounts, 754 election language, waterfalls, buy-sell/transfer, manager authority (incl.

If your partner qualifies for REPS and materially participates (and you elect to aggregate rentals if needed), rental losses can be non-passive and offset your W-2—subject to basis/at-risk limits. 

In 2026, they should focus on launching the wife’s business (potentially electing S-Corp status), setting up a Health Reimbursement Arrangement (HRA) for tax-free medical reimbursements, and shifting family income strategically.

Didn’t go with the lowest bids, went with “middle” bids thinking that meant better quality — but the work still wasn’t great.