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.

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

Bonus depreciation doesn’t count against your income calculation.

.- when a lender is calculating the rental income to use for qualifying income - depriciation is normally a line item that can be added back