You can get around that issue if you have a dedicated home office space that is used for the operation of your rental business. 

This reminds me of a police officer  pulling somebody over without reasonable cause and asking to search their vehicle and if the person does not consent, they’re saying you must have something to hide.

I remember once I was in a nice area of ATL at a closing and the attornies office was hot I asked whats up he said his two condenser got stolen that night LOL.. its a very active sport out East of the rockies we just dont hear of this on the west coast..

Make sure you talk to a Banker or Loan officer that is well versed in both SE (Self Employed) income and also Non/QM programs.One tip I will give you as a Banker is open up a "Business Checking account" and for the next 12 months pay "Everything" out of that account. 

I suspect it will be well used and have high maintenance costs.Software: office of google office, asana, possibly quickbooks (i would normally not suggest for a single rental, but the rent by room compounds things).  

The loan officer didn't care about the LLC, just said there would be additional papers to sign.

I am getting to the point of wanting to back out due to the 27k combined Closing costs, not including down payment. seems like a I should look into finding a new loan officer.

I wouldn't touch Franklinton with a 10' pole on the existing inventory side. gravity 2 is being auctioned and sold by the developer the area didn't support office developer lost millions:https://www.bizjournals.com/columbus/news/2024/12/19/gravity...linden I agree on if you can get a good deal. super fast appreciation. small homes, close to downtown, you can look at year over year and it's going up fast but also fast to change. any urban adjacent neighborhood is going to be good. 

Not sure what ($139.11) Wall plate covers $1.62 Garage door balance $1,185.01 Cheap paint brushes $3.89 Drywall anchors $8.21 Door finishing $1,400.00 Wall plate covers $5.48 Shelve brackets and air filters $60.58 Stair refinish $560.00 Door handles-dummy $41.30 Door handles-dummy, angle finder, Paint for countertops $123.40 Front door handle $152.55 Door finishing $350.00 Window balance $10,993.20 Landscape lighting $246.15 Fixing exterior lights and plugs in office $150.00 Door stops and towel hanger $20.83 Ring doorbell $65.84 Light bulbs for chandelier $43.88 Hanging chandelier $49.00 Hanging chandelier $462.50 Vent cover $19.68 Gutter extender $6.16 Mailbox $447.21 Landscaping-Wanderwolfs $119.63 Landscaping $932.88 Gutter extender, 2x emerald green $110.43 Pebbles/mulch $86.54 Paver $125.12 Landscaping $521.31 Landscaping, gutter pop up $403.93 Landscaping-adjustment for 20% discount ($89.78) Beach pebbles, garden staples, Insect killer $135.59 Emerald Greens $72.94 Pebbles/mulch $100.06 Returned Festuca grass ($16.64) Mulch $11.49 Paver $41.71 Mulch $10.38 Front tree $900.15 Fence $5,690.00 Fence stain $667.05 encapsulation $3,165.63

That is all I said and we scheduled a meeting for the next day to come into his office.