Always match your prepayment penalty structure (e.g., 3/2/1 step-down vs. 5/4/3/2/1) to your expected disposition or recapitalization horizon using our Prepayment Penalty Calculator (/calculators/prepayment-penalty).
No—as long as you retain 100% (or majority matching) ownership of the LLC, wholesale DSCR lenders trace continuity of ownership back to your original HUD-1/settlement acquisition date.