It seems like the area is growing quickly!

Back to the DTI, if you want a quick down and dirty way to do it, start with the bottom line 24 on the 2024 return, then add back in Depreciation (line 18), and possibly interest expense (lines 12 and 13) IF it's also counted against your debt in the liabilities section of the application.

These can add up quickly, so it’s important to factor them into your numbers. 

Lastly, build relationships with cash buyers and hard money lenders early on—they’ll be key to closing deals quickly. 

One quick light sanding and you can apply a fresh coat.

We sign a contract between me and Don where he promises to make monthly payments to Chase, instead of me making these payments, The idea is similar to assumption, except that the bank does not know, and if Don does not make his payments as promised, I'm in trouble with Chase.

A quick look at Craigslist in Austin shows 4400+ listings by owner.

But just in case things turn around quickly and you want to jump on an opportunity, it’s good to think ahead.I’d check back in with your CPA and ask specifically:•If I don’t use the cost seg study this year, can I carry it forward and use it later?

Hi Jacob, Happy to shoot you over the deck if you want to take a quick look? 

I would try to portion that off as a separate loan that can be paid back quickly - you'd need to discuss your plan with the PML.