Big banks and credit unions will look at a full DTI(personal income) while others will just look at the cashflow of the property.

The advantage if needed by calling it an investment home is that you can use the potential income from the property to help your debt to income ratio where you cannot do this on a second home. 

It's low risk and tax free on the gain.

Also assessment never picked up those multiple sales and the parcel was being taxed at 8 acres. 

I'm a mother of an 8 and 11 year olds, my husband works full-time but I quit my job when we had my daughter and wanted RE investing to replace my income.

If you don’t pay the tax when you transfer the stock to them they’re going to owe the taxes on your gain and you haven’t really “paid them back”. 

I target pre-existing, non-conforming lots that town assessors have deemed unbuildable either through a land use code or a very low tax assessment.  

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

The state’s housing is also ranked as the fourth most affordable in the country.Alabama currently has the second-lowest average property tax rate in the country at 0.4%, which helps investors keep more of the money they earn.

If you're seeking a reliable income stream, you should definitely consider Cleveland.