Hi, you seem like a potentially good candidate for DSCR Loans, a loan product that was essentially designed for exactly this - investors that want to build a portfolio relatively quickly and not be slowed down by DTI requirements or other hassles from conventional options.Would be glad to help, also check out this 12-part series published here on BP on everything you would ever want to know on this loan option!

They have a team of designers who do it online.

I got confused with a lot of the answers on this thread so thought I would confirm for you that the debt your partner gets will not be on your credit report and the debt will not negatively affect your DTI on new mortgage applications.

As a new owner, you should confirm if you can raise the pricing on the rent, and do that accordingly to the laws.

My assumption is that the majority of those were subsequently insured with Cal 'Safe' but I have no data to confirm that.

If you see at least a few zoned in the designations you mentioned above, that's potentially a good sign that you can get support from the local Alderman's office, and approval by the ZBA (zoning board of appeals), to rezone.

Confirm the zoning limitations: Mixed-use zoning can often allow for more flexibility, but you need to get the exact details.

More often than not they fess up and kind of confirm they don't meet requirements if that is the case.  

Confirm with the solar company if the loan is transferable and review terms carefully—it’s a potential hurdle with lenders or resale.A DSCR (Debt Service Coverage Ratio) loan might be an option since you’re focused on rental income.

When a tenant moves out, transfer the deposit back to Checking so it's ready to apply towards expenses or refund the Tenant.If you end up with excess funds in the Checking account, I recommend you transfer it to a third account designated explicitly for future investments.