In real estate, your land and your building are fundamentally two separate transactions for both the investor and for the lender. Lenders view land like an AAA bond in terms of its risk while your building has a higher risk.

Financing terms, sellable prices, depreciation expenses, liability are different for both assets. Is it better to pass down land to your future generations, or is it better to pass down just the building?

Look at them both differently because they both have unique operational needs and uses.

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