@Keith Meyer — When looking at insurance premiums, unfortunately, it differs not only by state, but down to individual zip codes.

Unfortunately, you also need to  account for expenditures other than your debt service…I.e. repairs, vacancy, etc. usually people assume these as a percentage into their calculation.

It is unfortunate, though.

This is a rather narrow set of circumstances, but it is out there.For your situation, sounds like you would just be considering items 2 and 3 for tax purposes. 

For many you are running full speed into a storm that you are not looking ahead at the clouds and unfortunately for those its not going to end well. 

It's unfortunate because it's a BiggerPockets recommendation Account Closed

I've checked out some posts and some people say that although you can assume a mortgage, banks will look at your credit score and unfortunately as I already know, Canadian credit history doesn't follow me when I decide to buy a house in the USAnyone know the answer to this?

If I will apply now for HELOC does it affect my credit score for my next primary application) The builder just pulled again my credit last 5/21/24 (for the second time), Does it affect in any circumstances my loan will fell out with the builder?

Unfortunately, that is not going to be very effective.

Unfortunately only about 5 applications have been fully submitted and all of them have failed to show proof that they can afford to pay the rent and provide the proper references.