You never know how the dots will connect when you look back.

I have talked with a number of builders in Florida,  who like to keep some of the builds they do to get steady cashflow.let me know if you ever want to talk about how they are doing that 

Hey Rex, Interested in knowing how you dealt with this situation.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I also thought of paying a neighbor kid but that sounds like a stressful situation to rely on neighbors I don't really know well.  

Not an excuse but just letting you know the way it is. 

Quote from @Mohit Gupta: @Nick Brown, @Gaby Liu - I just ran into this and would love to know if y'all were able to find a solution! 

If it is let me know and ill repost correctly. 

I don’t know if it’s a new law but I was told by my PM at a recent move out it was now considered normal wear and tear and you couldn’t charge for it. 

If that sounds like you, let me know if you'd be open to having a conversation!