Take this place for instance, maybe the lowest priced 5br in the super hot LoHi area.

You need some descent reserves to be a larger landlord, because you don't get a choice when the AC unit goes out, or the hot water heater floods the upstairs unit that then floods the downstairs unit.  

Calculations say I can add a 1bd/1bath, 400 sq. ft. cabin with hot tub for $125k all inclusive.To the loan officers, between my mother and myself, what are our options to acquire funding based off the equity of the land without having high income?

Licensable vacation rentals are obviously in high demand and offers can become quite competitive, I don't have any formal statistics but I'd say a quality active or eligible vacation rental sells at least twice as fast as a non STR property, the majority within days..My best advice to investors shopping for a hot or high demand asset class is:- Prepare & Practice: Get your ducks (GO UO!) 

This area is hot due to it being close to downtown.  2.

I think this is going to be a hot topic for many given that the big driving factor is the low rate we have on the old house (2.7%) compared to our new house (7.1%).

Hot homes can sell even faster, in around 15-24 days.The price per square foot averages around $640.Example recent sales include:$1,140,000 for a 4 bed, 3 bath, 2,228 sqft home on Oxnard St$1,300,000 for a 3 bed, 2 bath, 1,936 sqft home on Hatteras St$1,612,500 for a 3 bed, 2 bath, 2,161 sqft home on Oakdale Ave

But here's the kicker: the median household income in 2021 was only $56,746, and most households below that are renters.In the article local agents in the multifamily sector talk about why landlords are hiking rents.

We acclimated the flooring, but I suspect the existing tenant may keep the house at some very different temps (when she travels I suspect it's quite cool in the winter just warm enough to keep pipes form freezing, and very hot in the summer).  

I chalked it up that he was going through some personal stuff but would not be renewing his lease, his lease ends on the last day of July.Well, a month went by and then I got to wake up to another large unhinged text of him accusing of another tenant of mine of a disgusting and sexual act in the bathroom openly in the household's group chat.