I would suggest starting with reading the IRC book all the way through multiple times.

I weigh more on making 3x rent and having great rental history of on time payments with no evictions, no lease violations or violent criminal history.

Have asked a question or 2 on here but have disappeared a few times. 2024 was a busy year for me.

I’ve been in this business a long time, and I know firsthand how overwhelming that first deal can feel—especially when it comes to financing.

I see the discussion, but it's talking about the amount "Jim" can take for the next loan, not anything about the time period between when one loan is paid off and the time until he can request a new loan.Asking more out of curiosity, I would be surprised if John Hancock had something incorrect posted on our retirement plan web page. 

We both own 1 property at this time. 

I will save you some time by point out things that other Gurus or Section 8 investors wont tell you.1.

One of my applicants showed up with little credit but no defaults, no evictions, and only traffic violations and verified income high enough to cover well over 3 times the rent and I accepted the tenant despite there being some signs.He paid the rent in time for the most part until a few weeks ago when he stopped and I could not get ahold of him.

I have owned it for a very long time and had depreciated most of the original purchase price. 

The better the experience, the higher the price tag.Investors who take the time to design with their ideal guest in mind don’t just get better reviews—they command higher rates without competing on price.Think of the BEST review your STR has received.