@Victor Yang To use the rental losses to offset any active income (W2), you'd have meet Real Estate Professional status (which would be difficult to do with a W2 job because you'd have to work more on real estate than any other job to qualify) OR have an AGI of $150K or less.

Delay receiving income into January.

It makes it much easier to entice an investor if it's already got a guaranteed tenant in place.

My plan is to funnel the rental incomes from all three properties, along with my W2 income, back into the HELOC while covering all expenses from it as well.

Paid off HELOC, paid off business credit ($70k) that was personal guaranteed.

I'm confused why would you say that rental income is taxed in an IRA?

Income from leveraged real estate or active business income.

Applicants have a prior eviction years due to unfortunate circumstance but good household income and noted they are in a better place financially.

Gross income right now is 2700.

Not how much can this property earn as an Any DSCR lender is going to go to lend off the income approach.