@Brad Kanouse I have an idea that doesn't involve drawing from your IRA.

To Jay's point, though, there wouldnt be an impact on your DTI based on your numbers. 75% of the gross rents can be used to offset the debt to $0 until the operating history is reported on a tax return, so if the rent is 65% higher than the mortgage, then the impact to DTI will be 0 until next year when 2025 tax returns are completed.You could try to find a DSCR program that allows you to become a partner of the entity after the property is bought and financed, but this will require significant trust in your partner and may or may not work from a financing perspective.

Does anyone here have any idea (based on data), if the home prices will be going up or down in 2025?

I contacted ALE solutions on Friday through their housing request form and just resubmitted with a longer term minimum based on what you stated here.

Yes, as S-Corp owners deferring salary into a Solo 401(k), you must still pay FICA taxes (Social Security & Medicare) on the deferred income since FICA is based on W-2 wages, not taxable income.

The guest house has STR rental history but the other two units would need to be based on projections. 

They will base their DSCR calculation on the market rent 1007.

@Jaycee Greene I am looking to buy a primary residence while I am based there, then turn it into a rental once I PCS again two years later.

I would not eliminate OKÇ based on tornadoes, that is why you carry insurance.It will very difficult to find something in Austin that fits your budget.  

“A new Michigan law bans many landlords from rejecting tenants based on source of income, like housing vouchers, veterans’ benefits or Social Security.Gov.