I am not an expert here but my thought is that you would learn a lot by getting your license and have more credibility in the industry at large so if your time and finances allow- get that license:)

If a mortgage has a deed restriction, not allowing short-term rentals that is not imposed by an hoa or a city government how hard is it to get it removed?

FHA now allows us to count rental income from an ADU (additional dwelling unit) to help borrowers qualify.

We're not allowed to do this. ;)Moderators: notice that this was just a joke between two colleagues, both tax professionals.

They allowed in the proforma for a 3% maintenance.

We don't allow any "deal-making" in the forums, which includes advertising your services or properties, looking for partners, etc.

I prefer to source all my deals off-market, which allows me to find properties with less competition and negotiate directly with motivated sellers.

Seems like too much work for too little return UNLESS you own the property, or perhaps have an option to purchase the property allowing you to capture any increase in value.   

My retirement system doesn't allow for me to roll anything over given that I'm still employed with the company and also under 59.5 years old.

That's a terrible idea.He should either install a smart thermostat that allows him to set limits, or he should remove her from the property.