If i can invest it and make a significant better return after tax than paying it down I would do that but in this instance you will never be able to achieve returns that match credit card debt.

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

Quote from @Jeff Chisum: If a DSCR originator (keep in mind you don’t need a mortgage license to originate) tells you the loan will not be reported on your personal credit but require you to be a personal guarantor your next request should be; “I want to see in writing it will not be reported on my personal credit”.  

You’re generally working with tenants who, by definition, have lower income and often less favorable credit.

Now, some of these answers will depend on what state that property is in, how much equity you have, and a couple of other factors...but you can certainly seek out other lenders about a Line of Credit on an investment property.  

Apparently they handle all property repairs and maintenance independently and have maintained a perfect payment history, even throughout the pandemic.Lease Option Agreement:Effective Date: November 1, 2022Terms:Purchase Price: $165,000Non-Refundable Down Payment: $10,000Lease Term: 3 years (ends October 31, 2025)Final Payment: $158,000 balance due upon term completionMonthly Payment: $1,150 (no rent credits)I didn't see this to be a deal because if in a the best case scenario my $25000 would walk away with 2400 which is about a 9% ROI.

FHA vs Conventional will largely come down to your credit score, downpayment, use, income/DTI, and future plans.

Perform the same task in each app to ensure a fair comparison.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.Run a credit/screening report on yourself.Enter a maintenance request, assign a vendor, and attach a fake invoice.Enter charges to the tenant's ledger.Enter recurring charges and automatic late fees.Sign documents electronically.Run owner reports.After testing a few apps, one should clearly stand out.

A few tips: maintain a solid credit score, organize your financials (especially your proof of funds), and be ready to show that you have a solid plan for your investments.

Does paying with credit card, venmo, paypal etc.......still allow you to NOT SEND 1099s?