Start with a reviewable property record.
Verify the address, review income and capital assumptions, and save the opportunity. Request human financing review when you are ready.
Analyze a PropertyInvestor paths and client situations
Find the right path
for your rental-property decision.
First purchase, refinance, LLC ownership or portfolio growth? Choose your situation, research the property and compare financing before deciding your next step.
Your situation
Buying my first rental
You have a property in mind but need a decision framework.
Review the rental model, income evidence, operating costs and full acquisition budget. Compare preliminary financing, then identify the facts to verify before committing.
First rental purchase guideYour situation
Reviewing an existing rental
Your current loan, title or intended use needs another look.
Compare the current debt with refinance choices. Include costs, prepayment terms, remaining amortization and ownership requirements. Confirm the appropriate transaction sequence before changing title.
Refinance considerationsStart with a reviewable property record.
Verify the address, review income and capital assumptions, and save the opportunity. Request human financing review when you are ready.
Analyze a PropertyYour situation
Evaluating cash out
You want to review whether existing equity could support another business-purpose objective.
Compare estimated proceeds after payoff and charges, retained equity, the new payment and a lower-income case. Available equity is not automatically available cash.
Explore the financing reviewStart with a reviewable property record.
Verify the address, review income and capital assumptions, and save the opportunity. Request human financing review when you are ready.
Analyze a PropertyYour situation
Expanding a portfolio
You are comparing additional properties or financing for existing rentals.
Save opportunities, use consistent assumptions and compare cash needs, evidence gaps and operating demands. Lender exposure and portfolio requirements may apply.
Portfolio investor guideStart with a reviewable property record.
Verify the address, review income and capital assumptions, and save the opportunity. Request human financing review when you are ready.
Analyze a PropertyYour situation
Buying with an LLC member or partner
Several people need to agree on the property and capital plan.
Review cash contributions, reserves, authority to borrow and potential guarantees. Invite relevant reviewers through the platform and resolve ownership questions with your attorney and CPA.
Multi-member LLC financingStart with a reviewable property record.
Verify the address, review income and capital assumptions, and save the opportunity. Request human financing review when you are ready.
Analyze a PropertyKeep the alternatives together.
The workspace holds saved purchase and refinance properties so you can revisit assumptions and review different opportunities.
Compare the property evidence and full cash requirement. A platform score or preliminary financing match does not establish suitability or approval.
Choose the rental model separately from the loan.
Short-term rentals
Review seasonality, market evidence, operating costs and permitted rental use.
Airbnb and STR financingMid-term furnished rentals
Review extended-stay demand, agreements, included services and vacancy gaps.
Mid-term rental financingLong-term rentals
Review leases, comparable rent, collections, vacancy and maintenance.
Long-term rental financingWhen the property overlaps with broader planning.
Keep those questions with your qualified professional team. A tax, retirement or family objective does not make an otherwise weak property suitable.
Roth conversion and tax questions
Bring the property facts, cash needs and any proposed tax strategy to your CPA and financial adviser. Do not assume property deductions will offset a conversion or produce a particular result.
Retirement income and Medicare questions
Have your advisers review distributions, liquidity, income-sensitive costs and the demands of property ownership. STR Advisory does not determine retirement or Medicare outcomes.
Diversification and concentrated assets
Your financial adviser should evaluate portfolio fit, liquidity and concentration. Compare property risks, capital needs and operating responsibilities alongside the income estimate.
Family ownership and succession
Your attorney and CPA should review governance, authority, succession and tax treatment. Prepare the property and financing facts so the professional discussion uses consistent information.
Financial adviser collaboration · Professional partner roles · Primary-source resources
Before proceeding, ask what must be true.
The property works
Verify intended use, income evidence, condition and realistic expenses. Test a downside case.
The capital plan works
Include cash to close, initial work and operating reserves. Review what remains available for other needs.
The transaction is ready
Resolve ownership and document questions, confirm possible lender fit and use the secure application process when ready.
Start with your next property decision.
Analyze the property. Compare the financing. Prepare the transaction.
Situations are prompts for investigation, not recommendations or promises of income, financing or tax results. Preliminary outputs are not applications, approvals, rate locks or commitments. STR Advisory arranges eligible financing through third-party lenders and does not fund loans or make credit decisions. Legal, tax and financial-planning decisions require appropriate professional review.