So glad this place exists for folks like me to learn from you. ✨ looking for ideas on to  how to acquire an owner-occupied property  with 5% down by using a mortgage loan product to purchase , improve and  avoid mortgage insurance based on projected value?

Once you see how much it cash flows, you can divide by your total cash investment to find the cash on cash return, then make assumptions about appreciation and mortgage paydown to find your total return.  

Total rent between the three is $3200/month.I have an adjustable 20 year mortgage with a balance of $100,000~ at 4.95% that is set to adjust in 2026.I also have a HELOC on that property at $180K~ with a 9.75% rate. 

A second option is getting a DSCR loan.Lastly, knowingly leaving deductions off of your tax return to qualify for a loan is mortgage fraud. 

What I really want to do is add 15k sf to the existing warehouse.

A 3 bedroom house with two roommates would bring in around $1,400/month, and a home in the high $200k's with 3-5% down would have a mortgage pmt around $2k/month.

Compared to a mortgage broker that adds on so many fees for the same loan.

She's on title with her partner and is looking to sell two of the units to the current tenants while at the same time removing the existing partner from title.She's leaning towards having each buyer individual finance their purchase but is open to the possibility of seller financing.

Anticipation of these cuts initially moved mortgage rates downwards to their lowest in nearly 20 months.

I've crunched the numbers on a typical 300-400K mortgage and the "break even" on refinance costs and rising rents is about 12-years.