So, if that business is showing a big loss after adding back deprecation, and other add backs for rental income, that loss (or gain) will still be  calculated  into your debt to income ratio. 

(Note this simple calculation doesn’t include additional principal paydown at lower interest rates)

So I wonder if we're in for drastically increased insurance expenses ahead.i havent used the BP calculator but the Return on Total Equity will be north of 10% for the first 7 years. 

If you've owned the duplex for longer than a year and it's on taxes, there's no restriction to the income that is calculated (as in it doesn't have to zero out; it can give you income on paper). 

View report*This link comes directly from our calculators, based on information input by the member who posted.This is the first time I'm using the calculator. 

I also get baby bonding through CA, which is paid family leave, and I plan to use this strategically to spend more time at home.When I buy the starter home, based on my calculations, I'd be saving around $6-7k per month.

BiggerPockets also has a calculator you can use to analyze deals and I highly recommend you start this as soon as possible, even if you are not ready to buy.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

There are many calculators out there.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.