What did the lender require?

I’ve noticed more investors saying they want to go “direct to lenders” instead of working with brokers. I totally get that no one wants extra fees or middlemen, but I’m curious about your experiences and thoughts on t...

The contract requires balance payment to the lien holders by February 2026. 

First, examination of the borrower's personal credit is still required for underwriting and loan approval.

I have great credit, some savings, and a solid W2, but I’d like to avoid putting down the typical 20% required for an investment property.How would you structure this to maximize their payout, minimize my upfront cash, and stay lender-compliant?

Use holding comp and Trust structure to avoid filing spousal partnership returns if possible.

Use the $250k capital gain avoidance. $250k each for spouses, plus $250k for any other listed owner.  

As for the condo, an LLC isn’t required as long as you avoid prohibited transactions, like personal use, though having one can help keep things cleaner.

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