Our issue is income on papers too low to qualify for the an FHA or traditional loan.

That’s a 6.7% jump compared to last year and 3.6% higher than November.

Do you use traditional financing or do you us DSCR loans?

I've done a lot of wraps and subtos and highly prefer the seller-finance strategy for a lot of reasons, including offering the opportunity of homeownership to those otherwise rejected by traditional banks.

Just to make sure we’re both on the same page, I’m referring to the annualized total return that is included in the bigger pockets rental calculator — I wasn’t intending to compare RE to stocks, but maybe I’m missing something in your answer.  

There are a lot of affordable properties in Knoxville, but the growth isn't terribly vibrant and the deman isn't what you'd expect for a city of that size and that close to the Smokies - you're mostly looking at college rentals for the meat of the move season, and the SF market, while it exists, doesn't really compare to Chattanooga. 

Compare wear thickness(the top layer) and overall thickness.

Leverage magnifies return. 3) The effort involved in adding an ADU is comparable or larger than a rehab associated with a BRRRR.

I bought it because it was supposed to be easier to keep up with than traditional, but I've had to rebalance the ph myself several times.  

Maybe he's the exception.But the good news is - no matter what you do, if your brother just leaves it all as "passive" and doesn't mess with anything, whether short term rentals, or traditional rentals - the right tax planning could mean a box of his investment dollars that is effectively able to grow tax free.