There might be some hoops to get through with conventional financing with your income situation, but if that doesn't work, you could use a debt service loan.

Our biggest climate risks in central Texas are typically wind and hail, so anything of concern regarding the roof could get an applicant declined including trees too close to the roof surface, roof over 10 years old, etc.

Here's the breakdown of rental income and expense analysis:1.Annual Gross Income: $25,800 (Monthly rent of $2,150 x 12)2.Annual Expenses: $25,800 * 0.40 = $10,3203.Annual NOI: $25,800 - $10,320 = $15,4804.Annual Debt Service: $10,680 (Calculated previously using a mortgage calculator with a loan of $131,775, 7.25% interest, and a 30-year term)5.DSCR: $15,480 / $10,680 = 1.45 (approximately)

I look for cashflow to service the debt, repairs, cap ex, taxes, and insurance while the equity grows, my taxes are decreased, and rents are increased to make more cashflow. 

Hi Alberto, Personally, I don't believe Miami or South Florida is overvalued in the sense that a decline in home prices is coming.

Now that the 3rd one is on the fritz they’re 8 weeks into waiting for service under the warranty.

A service is provided, you must pay for it, period.

For families with kids that don't have D+, providing it likely doesn't move the needle because it's not important enough for them to already be subscribed.I think providing streaming services (that require login) can have huge downsides if the service gets logged out. 

Quote from @Dani Murai: Any recommendations for a reputable general contractor that services the Torrance/Gardena area? 

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!