I use a PM on all my properties - just factor it into your returns - it's an additional expense just like vacancy or repairs.

The underwriting is based primarily off of the property, not you as the borrower so the main factors evaluated are property value, DSCR ratio (cash flow), LTV, and FICO.Also, I am from Boston and know the area well.

They can help you navigate any potential tax pitfalls and ensure that your strategy maximizes your benefits.Overall, your plan is ambitious and well thought out, but it’s crucial to keep these factors in mind to ensure success.

But it does not offer that 'wow factor'.

You're missing one factor: That you can sell your property and probably not pay capital gains since you've lived in the property for 2 our of the last 5 years.I'd split, sell and take the money (or most of it) cap gains free.

I really do think that good screening and honest / fair treatment of tenants regulates a lot of the issues that people seem to have down the road. 

Another factor that is very important is the bidding process. 

My fiancee has to commute to the loop, which is an important factor. 2.

The 180 day limit was never a factor, even the 45 day limit didn’t come in to play. 

However, increasing insurance rates means that this shortage is also increasing so my monthly payment is increasing exponentially to accommodate the increase in both my insurance rate and my shortage (my mortgage has increased over $400 monthly in the past 1.5 years because of these factors).TL;DR - Is it normal for a bank to require a positive escrow balance at all times like my current bank does?