Quote from @John Swift: Seeking a pro membership discountSent you a pm ☺

I am seeking good ROI analysis tools (spreadsheets, calculators) for evaluating multi-family live-in unit (3 or 4 units) that I am planning on purchasing in Orange County or the Inland Empire in Southern California, over the next few months. 

Quote from @Jeff Witherite: I am seeking recommendations from investors for insurance providers to consider for an 11-unit multi property located in Northeast Ohio. 

My understanding is TN is a common law state which muddies the water when seeking advice on how to form such a business. 

We have a young family (one child) and are looking to make our money work for us rather than just waiting until retirement.Opportunity (and where I could use advice):I came across a social media post from a former high school classmate—now a loan consultant—who was seeking investors for potential flip or BRRRR projects.

Quote from @Kenneth Ye: Hi everyone,I’m seeking some guidance on my current situation with a rental property.The property has a 8.25% DSCR and a 5-year prepayment penalty of $15,000, with 3 years remaining.

Your money stays safe, but you won’t earn much in interest.Roth IRA:Excellent for long-term, tax-free growth — but contributions are capped each year, and pulling funds early can come with penalties (except for your original contributions).

You’ll still need to pay tax on depreciation recapture from the period it was rented.If you sell after March 2026, you’d lose the exclusion and the entire gain would generally be taxable.Oregon doesn’t impose an extra “penalty,” but it does follow federal rules pretty closely—so you’d owe state income tax on any taxable gain that isn’t excluded federally.In short: sell before March 2026 to qualify for the exclusion, and plan for some tax on the depreciation you took while it was a rental.Perfect advice, right on the money! 

A good example to look at is the prepayment penalty terms. 

4 unit off market property We found the property and no realtor was involved Purchase price $450,00020% down( 90,000) We are going through a broker Our loan product is a DSCR loan 30year fixed with a 5 year pre pay penalty.