Not only do they not repay funds, they claim we owe them additional funding for renovations that never actually happen. 

Part of considering acquiring a property should include additional possibilities.

You might "lose" money on cashflow but you keep an asset that will hopefully appreciate in value and you get several benefits other than just appreciation. 

If you are in a decent area where appreciation is on your side, its better to bite the bullet now, hold, and reap the benefits in the near future!

In both you are now paying taxes on an additional $1K/mo.

It sounds like you’ve got a solid foundation with your rental property, and I love the ambition behind your plans to build a property management and maintenance company—it’s a great way to take control of your investments while creating additional opportunities.Best of luck to you! 

You won't qualify for an FHA loan and if you've got 25% down, you wouldn't benefit from one anyway.

The investor must consider whether the potential property value increase or other benefits outweigh this loss. 

It will familiarize you with the basic terminology and benefits.

Lenders may count eligible assets as additional qualifying income by dividing eligible assets by 60.🔹 Example in Action:Rental income: $9,000PITI: $9,500 → DSCR <1 (not qualifying)Using $63,000 in assets → Adds $1,045 in incomeNew DSCR >1 → Higher LTV (80% instead of 75%)🔹 Why This Matters:✅ Helps investors qualify for better financing✅ Increases borrowing power and flexibility✅ Allows you to scale your portfolio fasterUnderstanding financing tools like this can be a game-changer for investors looking to maximize opportunities.