Use less of that and either get the seller to buy down your interest rate or you can do it and have a comfortable mortgage payment and still plenty left for your emergency fund.

Also AirBNB stocking fees, maintenance, cap ex.But at the same token know that the principal portion of your mortgage payment is actually not a true expense so there is that benefit to doing all of this even if you are light on the cash flow or break even.  

Write the property on the receipt and keep a digital copy and the hard copy.Quickbooks Online is a good software for both receipt capture and organizing what expense goes with which property.  

Late payments do not bother me at all as long as they paid all their bills.

I’d have a better picture by sitting down with someone at a bank, but I did a calculation online and the new loan on cashing out $130k would still be covered by the current rental payment.

They understand that there's value in what they provide, which is steady, documented income, minimal turnover, steady payment, quality references, no drama, and peace of mind.

I know most of your comment aim at people who probably start with 20K and bring small properties. we are planing on investing 250k to 500k as a 25% down payment a year, hence the question.

Focus on building strong business credit through timely payments, low debt levels, and solid financial records, which carry more weight than the name alone in establishing creditworthiness.This post does not create a CPA-Client relationship.

Cash flowing in the type of market we have is extremely difficult, especially with such a small down payment. 

Consider an Installment Sale: By structuring the sale to receive payments over multiple years, you can spread the capital gains tax liability over time, potentially keeping you in a lower tax bracket each year.11.