.- **Rental Income**: Lenders may use a portion of the rental income to help qualify you for the loan, which can be beneficial.To get the best deal, make sure to:- Check your credit score, as it will impact your interest rate.- Shop around for lenders that specialize in owner-occupied multifamily properties.- Use tools like the BiggerPockets mortgage calculators to see how different interest rates and loan terms affect your cash flow.If you have more questions or need further guidance, feel free to ask Good luck with your duplex venture

You could purchase the property in an LLC or perhaps subdivide the cottage residence and own that in the LLC that owns your other rental property but not sure how that would impact your financing and how practical that subdivision would be? 

By going beyond what’s expected, we not only built trust and goodwill but also created a lasting relationship that speaks volumes about the kind of business we strive to be.At the end of the day, real estate isn’t just about buying and selling houses—it’s about the people behind them and the impact you can make on their lives.

Expenses (both transactionally as well as operationally)  disproportionately impact lower priced assets.

Contractors.Except we called it " buying a beat up hose & selling it for a profit"HGTV and GURUS  couldn't make it sound trendy though  ROFLMAO  More fun facts; The oldest contractor licensing body in the United States is the California License Board founded in 1929.Contractors are called contractors because we write Contracts.

Investors buy in an HOA because properties are cheap, but then they quickly realize Nazis and busy-bodies run the HOA.You can try to build a coalition of owners and fight back against the charge, but it's unlikely to change.

In San Diego I recommend descaling tankless annually and this is significantly more effort than draining 5 or 10 gallons from a tanked heater and changing anode every 5 years (by the way always use impact wrench to extract old anode as breaker bar can move water heater messing with other connections).  

Insurance changes are impacting our market and returns more and more. 

Would creating an LLC impact the DSCR loan qualification?

An issue with 1 rental can have an oversized impact because there aren't a bunch more to cover things. 3.