I'm trying to wrap my head around working with investment capital long term, and there's also the potential for some seller financing from the building owners, and my cousin is on the board of a bank which could also come into play.

In your situation the OA is going to play a more substantial role because you have a partner.

In your situation, it sounds like the primary focus for you is more a quality of life play (reducing your commute time), and the STR may allow you to break even cash flow wise? 

I'd be interested to hear how you approach evaluating a borrower’s past performance and how that plays into your final lending decision.

Unfortunately, very few local Worcester residents can afford these properties, creating intense pressure on those who live and work in the city.

There's a price/rent lag because leases are typically for a year so there's the delayed effect of old leases playing out before upward pressure on rents does it's thing.With that said, there's also your ability to refinance out of that rate and improve the rentability of it that way.

For rental property owners, the court will pay particular attention to the total net income of your rental.So, how is rental income calculated, and how does that play into child support payments? 

Hey Matthew - Rates can vary depending on the specific scenario—things like property value, LTV, cash flow, credit score, and whether or not you want to buy down the rate with points all play a role.

You could consider house hacking to reduce out of pocket expenses.It’s definitely an appreciation play not a cash flow play but with the federal government here appreciation is consistent - you won’t get super high appreciation like some places but also don’t get high depreciation as well.

Broker will end up paying, if Saurabh Patel plays his cards right.