I know I made a lot of mistakes here, and if I could go back would certainly do things differently.Key facts:• no written partnership agreement • In business for 1 year, with 8 total combined clients• 2024 total income $29,500• No shared business property or initial investment.

Currently, I'm only qualifying off $80K of income so it doesn't help me qualify for a lot.It looks like Snow Removal is about $700-$1000 for a full season?

., mitigating tax liability for passive and non-passive income).

Here are some additional tips:Business Bank Account: Open a dedicated business bank account to manage income and expenses separately from personal funds.D-U-N-S Number: Register your business with Dun & Bradstreet to establish a business credit profile.

Unlike traditional banks, which focus heavily on personal credit and income, portfolio lenders prioritize the cash flow of your property.

But this year it felt like more were outgoing than there were incoming.

You said it also effects your income till it's done so that would be another reason not to add another currently 

Here are the details:- Current occupancy with a monthly income of $2,750- Purchase price: approximately $145,000 (putting 25% down, around $36,250)- Location: McKeesport, PAAs a relatively new investor with two properties in different states, I'm looking for guidance on how to analyze this deal.

My husband and I are looking for ways to generate passive income, so we did done some research on a garage conversion ADU. 

These focus less on personal income and more on your business cash flow or the projected rental income of the property.If you have a rehab project, you may want to start with a hard money loan and refinance into DSCR once you are done with the rehab.