Additionally, Lenders can assist with a rapid rescore, working with credit agencies to guide you on which cards to pay down to boost your score.

Quote from @Brian Felczak: Everything you need to know is available in books, blogs, the forums, and a little time studying.

Often, those companies have access to like-kind inventory as well that can assist when you get to the identification phase.

Please let me know if I can be of any assistance.

My partners and I run a residential assisted living focused fund.

Quote from @Homero Matzenbacher: Hello Everyone, My name is Homero I am a student at IU Kelley School of Business studying finance.

(HACW being "Housing Authority County Wake"; and HAP being "Housing Assistance Program").

STRs require more hands-on management, but it’s a viable option for reducing your taxable income without needing REPS.You might also consider a cost segregation study to accelerate depreciation on the rental, creating larger upfront paper losses.

things missing in your list (everyone manages differently, so take it with a grain of salt)Vacancy rateTurn overbad debt legal fees (evictions as needed)accounting fees for professional tax prepmaintenanceProperty TaxesSales Tax on PM fees (In NM, this is charged, not sure about where you are)Reserves for replacement CAPEX - furnace, water heaters, ac, roof, parking lot, etc.Admin, software, advertising, etc.Cost segregation study for accelerated depreciation captureAs for your loan. 

Thank you everyone for the assistance.