Your LTCG tax exposure increases as ordinary income increases.Here's the link: https://www.kitces.com/blog/lo...EDIT: I'm still unclear as to how the recapture fits into this...need to learn more there!

ThanksShane If your LO does not know how to calculate rental income from your tax return you need to find a new lender quickly.

They have to initial each line item but lo and behold, they have amnesia when they violate them. 

An REI investor has to have a good Banker or LO that can have a conversation based on prior to and after the fact.

I am also a licensed NMLS Mortgage Banker in Oregon and soon to be in 39 states when I do the UTS test later this month..My LO is inactive in Oregon B/C I only do construction loans in Oregon and its not required to have a license to do those.

I'm not sue i would want to hold a sub to property long term and risk the due on sale clause being called (remote chance I know) while having a renter or a LO on the property.  

A Loan officer cannot alter their loan officer compensation it would violate the LO Comp rule under the "Dodd Frank" regulation. 

Lo and behold, I bought the deposit to the bank with the cash, the teller counted it twice and said it was $20 short.

L/O and CFD are verboten, but not strictly illegal. 

Have had some initial conversation with a LO with Mortgage Calculator Company, LLC.