Then the debts are "Omitted".This is usually more beneficial for a person who receives W2 income from an employer and wants to exclude their W2 income from being hit by the credit cards, automobiles or mortgages being paid out of their business checking account.There are also ways to gross up some of the income but some lenders have overlays and hit you with things rather than allowing add backs.

Unfortunately there is no magic template that works everywhere and we often let the market drive choices as that is what will put $$ back in our pocket.

Being in a price point that typically caters to moderate earners, so affordable to their incomes, but also having a tenant base that is more likely a renter by necessity than choice (or the non-PC way of saying it: a tenant that can afford your rent without struggling, but can't afford to save up to buy a house).3.

do NOT take a long PPP right now unless you have no choice. will be VERY expensive in the future when you are stuck in a higher then market rate. 

If I had a choice I would definitely pick the new construction.

Richmond, VA is a great choice for real estate investors due to its diverse economy, affordable property prices, and rental demand from universities and young professionals.

It's possible to anticipate paying between $1,500 and $3,000 annually for each unit, but to fully grasp the range of expenses, it's critical to obtain estimates from several insurance providers.If you intend to keep one unit unoccupied for guests, a triplex could be a more practical and affordable choice.

For more detailed insights, connecting with me, expat forums or seeking advice from real estate professionals with experience serving Americans buying in Germany could be beneficial.

I am eager to build long-term, mutually beneficial relationships with wholesalers who can provide quality properties that meet our criteria.If you are a wholesaler in the Cleveland area or its suburbs, or if you have any recommendations, I would love to hear from you.Please feel free to reach out to me via private message or respond to this thread with your contact information and a brief overview of your offerings.Thank you for your time, and I look forward to the opportunity to collaborate with some of the fantastic wholesalers in our community.Best regards,Tom. 

If the property is in NV then you may be a bit limited in choices as they have stricter licensing requirements than most states.