It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

Is it possible to keep my land loan out of it to keep the total cost low?

Hi Dean - we had access to a DSCR product until a couple weeks ago - it's currently paused, per my conversation with one of the loan brokers I work with. 

Having a "master" accounting software allows you to blend all property-specific info with general business info to see your full financial picture. 

Just make sure the numbers work for repayment and your overall financial goals. 

You'll need more capital and most will require a personal guarantee and personal financial backing. 

My current agent suggested if it made sense financially, to do some rehab work to get the properties rent-ready, but I do not have the liquid funds to do so and sell these as-is.

CoghillWe’ve used AppFolio for many years to manage a large portfolio, and while onboarding can be thorough, it’s primarily to ensure compliance with financial and legal standards.

I was just thinking today there was all this excitement about VA loan assumptions there for a while when interest rates started going up. 

(Auctions and foreclosures can also provide great leads.)With $20K, hard money loans are a practical option, as they emphasize a property’s ARV over your financial history.