(Owner passed.

@Albert Bui @Carlos Valencia There is no offset when you live in the 2-4 unit remember its a full HIt to your monthly PITIA and yes you can use the rental income but only as an addition to your qualifying income, you're still taking a FULL hit on the PITIA.Its only offset when you vacate or move out or it has already been converted to a rental (pure investment/non owner property). 

And depending on how the unit is built, the owner probably pays for water and sewer, maybe even for heat. 

The Owner should be paying the utilities unless otherwise specified in advance.

This includes cost seg pros.Q2: Are you an equity owner?

Here are some reasons why the wholesaler pricing may not work:They do not understand how to calculate the rehab or the ARVThey are NOT the party under agreement with the property owner and are part of a daisy chain with another wholesaler (or more than one).

We started talking about the building, and the agent mentioned a condo whose owner they had spoken to about potentially selling but wasn’t ready to list with an agent yet.

With 20K are you looking to owner occupy?

If so, how has this worked for you in terms of value to the owners and as part of your overall fee structure?

For example in many jurisdictions I can STR units in a duplex but cannot STR an ADU (some jurisdictions will let you STR if you owner occupy).