Hey Rebecca, I'm a broker and investor up in Sacramento and manage about 100 investment properties (STR and LTR).Many of my clients are high W2 earners seeking "bonus depreciation" to offset tax liability by investing in STR.

.#4 Closing costs look super high, but they may be quoting you some kind of rate by down.#5...Hopefully your vacancy isn't 8-10%, but always tough to tell. 

With your strong credit score, high income, and solid investment portfolio, you are in a great position to secure financing for an investment property in the U.S., and as they've mentioned above DSCR is something you might want to look at.

I need long-term renters as a back up.I saw a basement apartment for rent in LauriaVille in a gorgeous remodeled home that’s been listed for $1050  It’s been sitting there a couple months and that concerns me because that’s not a lot of money for quite a bit of space in a great house.It’s been sitting there a couple months and that concerns me because that’s not a lot of money.

For example, if you have $130K in equity, you might get $100K-$110K available in a HELOC.Look for a fixed-rate option for the HELOC to avoid rising rates.

I highly agree that coaching or even just joining a group that can help you learn the ins and outs, is worth every dollar.

I am the Vice President of OmniKey Realty, and I would highly recommend scheduling a tour with my investment team if you haven't already done so.

Focus on long-term rentals in affordable markets with reliable cash flow, and steer clear of high-cost flips, lower-class properties, or overleveraging in areas that rely solely on appreciation.Good luck!

Highly recommend (I require) collecting first month's rent prior to handing over keys.

With comps ranging from $875K-$1M and your estimated build cost at $550K, the after-completion value gives you a significant equity cushion, making this project highly attractive to lenders.If you plan to hold and rent the property, you could refinance into a DSCR loan after construction, which bases lending on rental income rather than personal income.