@Zach Howard some copy & paste advice below:)-------------------------------------------------------------------------------------------------Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

As you delve deeper into the world of real estate, staying informed and adaptable will be key to achieving your financial goals.

It would be a undue financial restriction for solar on the ADU to produce that 15%. 

You do need to have steady employment, decent credit, and not be drowning in debt.

That will have a much larger impact on your outcome versus the debt product. 

A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

So he needs to be more ITM than  the 1.25:1 ratio.With that said, to answer the question-- figure out your debt or income.

The technicals (migration rates, job growth, tax situation, debt cost, etc) to work as well.

Private lenders tend to focus more on the value of the asset or project rather than your credit score or financial history.

Trying to cut my losses as the borrower got all her unsecured debts discharged through Chapter 7.