In any given month(s) you will likely be ahead in one or more or all of those categories.

If thats a new sounding term its essentially roomates (paying part or all of your monthly expense) or renting out a portion of a house. 

Or all cash?

., a mortgage) to increase the potential return on an investment.Lien: A legal right or interest in a property held by a creditor as security for a debt.Like-Kind Exchange: A tax-deferred exchange of one investment property for another, as defined in Section 1031 of the Internal Revenue Code.Listing Agreement: A contract between a property owner and a real estate agent or broker, authorizing the agent to represent and market the property.Loan-to-Value (LTV) Ratio: The ratio of the mortgage loan amount to the appraised value of the property, expressed as a percentage.Lock-In Period: A specified period during which a borrower cannot refinance or repay a mortgage without incurring penalties.Lot Line: The boundary separating one property from another.Low-E Glass: Low-emissivity glass designed to minimize heat transfer and improve energy efficiency in windows.Market Analysis: Evaluation of local real estate market conditions to make informed investment decisions.Market Value: The estimated value of a property in the current market conditions.Master Plan: A comprehensive long-term plan for land use and development within a community.MLS (Multiple Listing Service): A database of real estate listings shared among real estate professionals.Mortgage: A loan used to finance the purchase of real estate, with the property serving as collateral.Mortgage Broker: A professional who connects borrowers with lenders and helps facilitate mortgage transactions.Mortgage Insurance: Insurance that protects the lender in case the borrower defaults on the mortgage.Mortgage Note: A legal document outlining the terms and conditions of a mortgage loan.Multiple Dwelling Unit (MDU): A building containing multiple separate living spaces, such as apartments or condominiums.Negative Amortization: A situation where loan payments are insufficient to cover the interest, resulting in the unpaid interest being added to the loan balance.Net Operating Income (NOI): The total income generated by a property minus operating expenses, excluding debt service and income taxes.Non-Recourse Loan: A loan where the borrower is not personally liable for repayment and the lender's only recourse is the collateral.Notary Public: An official authorized to witness and certify signatures on legal documents.Notice of Default (NOD): A formal notice filed by a lender indicating that a borrower is in default on their mortgage.Offer: A proposal made by a buyer to purchase a property, including the proposed purchase price and terms.Open House: A scheduled period during which a property is available for viewing by potential buyers.Option Fee: A fee paid by a buyer to secure the option to purchase a property within a specified time frame.Origination Fee: A fee charged by a lender for processing a mortgage loan application.Owner Financing: A purchase arrangement where the seller provides financing to the buyer.Parcel Number: A unique identifier assigned to a specific piece of land for legal and administrative purposes.Planned Unit Development (PUD): A type of residential development with a combination of housing, commercial, and recreational spaces.Points: Fees paid to a lender at closing in exchange for a lower interest rate on a mortgage.Pre-Approval: A preliminary approval from a lender indicating the borrower's creditworthiness and the maximum loan amount.Prepayment Penalty: A fee charged by a lender if a borrower pays off a mortgage loan before the scheduled maturity date.Principal: The original amount of money borrowed in a mortgage loan, excluding interest.Private Mortgage Insurance (PMI): Insurance that protects the lender in case of default, typically required for conventional loans with a down payment below 20%.Promissory Note: A legal document containing a borrower's promise to repay a specified amount to a lender under certain terms.Property Management: The oversight and operation of real estate properties on behalf of the owner.Purchase Agreement: A legally binding contract outlining the terms and conditions of a property sale.Quiet Title: Legal action taken to establish or confirm ownership of a property.Real Estate Agent: A licensed professional who represents buyers or sellers in real estate transactions.Real Estate Investment Trust (REIT): A company that owns, operates, or finances income-generating real estate.Real Property: Land and anything permanently attached to it, including buildings.Refinance: The process of replacing an existing mortgage with a new one, often to obtain better terms or rates.Rent Control: Government regulations limiting the amount by which landlords can increase rents on residential properties.Rent-to-Own: An arrangement where a tenant has the option to purchase the rented property after a specified period.Resale Value: The estimated value of a property upon resale in the future.Residential Mortgage-Backed Securities (RMBS): Securities backed by residential mortgages.Reverse Mortgage: A financial product that allows homeowners aged 62 or older to convert home equity into cash.Right of First Refusal: The right to match an offer before a property is sold to someone else.Second Mortgage: A subordinate mortgage taken out on a property that already has a primary mortgage.Seller's Agent: A real estate agent representing the seller in a transaction.Seller's Disclosure: A document where the seller discloses known defects or issues with the property.Short Sale: A sale of real estate where the proceeds fall short of the balance owed on the property's loan.Survey: A measurement of a property's boundaries and features.Tax Lien: A claim against a property for unpaid taxes.Title: A legal term referring to ownership of a property.Title Company: A company that examines and insures title to a property.Title Insurance: Insurance that protects against financial loss due to defects in title.Title Search: An examination of public records to verify a property's ownership history.Transfer Tax: A tax imposed on the transfer of real property.Underwriting: The process of evaluating a borrower's creditworthiness and risk in mortgage lending.VA Loan: A mortgage loan guaranteed by the Department of Veterans Affairs for eligible veterans and service members.Vacancy Rate: The percentage of time a rental property is unoccupied, affecting overall rental income.Vendor Take-Back Mortgage: A financing arrangement where the seller provides part or all of the mortgage financing to the buyer.Walk-Through: A final inspection of a property before the closing to ensure it's in the agreed-upon condition.Wholesaling: A real estate investment strategy where an investor contracts to buy a property and then sells the contract to another buyer for a profit without taking ownership.Wraparound Mortgage: A financing arrangement where a new mortgage "wraps around" an existing mortgage on the property.Yield: The return on an investment, often expressed as a percentage.Zoning: Government regulations that control the use of land and the types of structures that can be built.Zoning Ordinance: Local laws or regulations that specify the permitted uses of land and the requirements for development.This dictionary includes a wide range of real estate terms, covering various aspects of the industry.

Hi there,I am looking to buy a set of 3 duplexes (that are $125k each) Id like to buy either one or all of them, wondering if I buy 2 or three if I can roll them into one DSCR loan to save on all the fees.

Payments that you make normally fall into one of 3 buckets100% of the payment can be factored in somewhere on the returnPartial payment can be factored somewhere on the return0% of the payment can be factored in somewhere on the returnHouse-hacking also has considerable tax implications in the event that you want to sell this property.You can potentially defer a portion or all of the gain on the investment property with 1031 exclusion.You can potentially exclude a portion or all of the gain on the personal residence with section 121 exclusion.

I would first think if you want to be an 'active' investor / General Partner and learn to manage some or all of the parts that have been well outlined above.   

The RENT is important for the refinance part because lenders will use a percentage, or all, of rental income as income, and make it easier to be approved.

The agent likely reviewed the offer orally with the seller and recommended that they pass on your offer.

Do they require credit check with only one credit agency or all three?