Hi William, glad to have you as part of this community! 

Quote from @Drago Stanimirovic: Sure, happy to help! 

Having someone come in late in the bidding process who is jumping by more than the minimum CAN help shut action down.

This is NOT sub-to.

so if you don't have a lot of money, then you'll have to save some up.hope this helps

But I have to ask, is this unit attracting this kind of tenant? 

This is the actual calculator that traditional underwriters will use.

Not sure if this is allowed but I have several pocket listings in Huntsville with tenants in place.

Did ChatGPT write this?

@Amy KonopkaImpossible to give you an accurate answer without reviewing your tax return, so this reply is based on assumptions picked from your description.If your only taxable income comes from this Schedule C, I do not know how you would qualify for any loan anyway, even with a ~$20k profit after adding back depreciation.