@Albert Bui @Carlos Valencia There is no offset when you live in the 2-4 unit remember its a full HIt to your monthly PITIA and yes you can use the rental income but only as an addition to your qualifying income, you're still taking a FULL hit on the PITIA.Its only offset when you vacate or move out or it has already been converted to a rental (pure investment/non owner property). 

Generally, tenants don’t have the right to demand relocation for purely cosmetic improvements, nationally. 

From purely a lending perspective, the projections from AirDNA and Rabbu are the only commonly accepted sources for underwriting a short term rental purchase or refinance DSCR loan.

I'm thinking a pure white or perhaps an alabaster white.

Or are you purely looking to go the conventional route only? 

Like many real estate projects, we expect her to bring:- Joy- Wonder- Tears- Unexpected Costs- Anxiety- FulfillmentExcited to embark on this ultimate life project and grateful for all the support as we “build” our family!

After the seller made those statements, I was actually joyful to hear that I was useful in this situation.

Thought it could be of huge value as I made this purely from needing it myself when I did my first fix and flip project.

At some point, when pure cash flow is more important, then looking at a longer buy and hold strategy may make sense.

@Pradeep Roy are you purely wanting appreciation?