Hello Malgorzata - for the condo, my lender told me I could qualify for 3-5% down, but most likely have to put 20% down for a condo with a conventional loan.

Problem is since its a "single family" residence it can't be my primary & an investment at the same time therefore I can't qualify it as income.

Can you qualify?

Your income will qualify you to get mortgages.The only question now is whether you will have the down payments to get the mortgage.As important as taxes are, you likely don't need 'more money'.Are you looking for free time?

Some DSCR lenders will allow the proposed income to qualify, but needs to be able to pass an appraisal.

I heard the banks and also Fannie may now allow capital gains income to be included as qualifying income for getting a loan.

Thanks, new to this STR stuff.Adriana Make sure your property and you qualify.

Look into Government and Local Programs: Check if you qualify for SBA or local economic development programs that offer lower-rate refinancing options.4.

One of the big things we use for qualifying tenants is their income.  

Based on our current numbers the average vacancy will sit for 2+ months to get a qualified tenant and another 2 - 4 weeks for them to move in.What Have We Been Doing1.