I utilized those funds to purchase 18 rental units.

all materials, all labor costs to others, Not you, utilities, interest payments, permits, licenses, auto/truck expenses, tools needed are all deductable. 

Outcome currently is a rented basement for $1,350 a month + $130 in utilities while I live in the upstairs unit.

Outside of Real EstateMany of the business here in the south don't use digital marketing, ads, etc.

We were looking in the Smokey’s and in Florida but we might just shift to our hometown and house back it with the ADU unit utilized for STR. 

@Marc Robinson some may be more adventurous than me but with septic and well I would walk awayI prefer TOH of course but with $300 lot rent and 19 occupied, utilities included in rent I would pay $400-450k for this

Coos Bay - The main delay with application in this area is whether the property is on public utilities or has a septic system and private or public water source.

Also, be sure to check with the section 8 agency managing the tenants - sometimes if you pass on an additional cost like that they will no longer be eligible to live there if the rent and utilities exceed what they were approved for.

Additionally, they've avoided 40-50 hard credit inquiries populating on their credit as a result of the soft credit inquiry that we utilize for DSCR loans.If DSCR loans are a new thing to you, I would recommend checking out some articles here on Bigger Pockets or giving me a call to learn more.

If you made housing free the same bleeding hearts would be complaining about utilities.