And maybe we have another coming up with Covid if you have some self employed end up with bruised credit because of what's happened I could see this happening again.although we know that appreciation was on fire since 2012 when things hit all time bottoms..Although on devils advocate  lets say the houses never went up . ? 

@Anthony Zotto - By the way you ask the question I assume you're going to self manage the property instead of using a property manager.

Using 50% rule (expenses excluding P&i is 50% of rent) here are the numbers;1800 (rent) - $900 (expenses) - 1468 (heloc) = negative $568/monthAt your rent point with that size unit, your expenses will ve less than depicted by the 50% rule, so let’s use a likely more accurate 40%1800 - 720 (expenses) - 1468 = negative $388/monthNow let’s imagine you self manage and you time is not worth anything (I strongly recommend believing your time is worth less or worth less than a quality PM would charge) with 8% further reduction so expenses are down to 32%1800 - 576 (expenses) - 1468 = negative $244/month. 

They are a great crowd, and networking was amazing.I just finished the self paced course and just got off the phone with them concerning the Gold and Platinum programs for mentorship.  

After talking to my accountant we feel confident we meet the requirements.

I self manage because no property management stuck out as any good. https://pr.mo.gov/boards/realestate/discipline/Paulakovich,%20Michelle.pdf

I learned a lot, feel more confident and am pleased with the outcome. 

We want to plan in the most tax vantaged ways (which includes keeping future AGI as low as possible) and open to new-age and creative concepts.Respectfully ask to keep discussion to topic vs. selling one's self or services seeking new business.

If you want to be buying right now and can't self source leads though you're probably going to need to adjust your acceptable numbers and focus on the long term.

Deep down, he worries he’s not successful, confident, or attractive enough to "deserve" a beautiful partner.