Exotic.

They will always add the higher income earner and put most weight on them for a loan.Historically on loans the bigger earner always carries the mortgage payment out of the two.The credit comes in from someone can make a 100,000 but spend 120,000 and someone can make 50,000 and save 30,000 so it's income earned and how they use it (credit score) that makes a difference.To be able to sell the loan off everything has to fit in a nice little box.If it doesn't and is approved someone's job is going bye,bye real soon.Most local to regional banks in my area will not touch any what they term as EXOTIC financing.Meaning anything outside the norm.They want to get existing junk off the books and make loans that on paper have a very low chance of default.From what I was reading certain parts of PA is one of the first markets rebounding in the country for values.I would look at clothing,cable,vacations,increasing your real estate closings,etc. to increase cash flow and reduce debt.If you work at a brokerage work on getting your brokers license so that you keep it all.That will increase your income right away.

Take advantage of bonus depreciation now.There are reverse exchanges and other more exotic exchanges but I personally not sold on the concept when the IRS comes knocking.

I thought he was crazy, but before the house was finished he had a tenant who signed a 5-year lease at over 3k/mth - because she LOVED that exotic granite. 

After a long morning of selling $25,000 mentoring programs, dodging emails and phone calls from current mentees and scanning the business news for stories to add to my resume, I'm always faced with the difficult choice of which exotic cars and bikini models to use in the next marketing pamphlet.

If the neighborhood does explode in value and trendiness, then your next upgrade is going to be exotic granite that looks great in photos, because one exit strategy is to sell it to an investor that lives fifteen states over as a safe-bet turnkey and plow the money back into the next up-and-coming Cleveland neighborhood. 

So, with a 4 unit property, that means I either need 4 inverters, an inverter on each panel with additional wiring, do it without permits (and without benefits from the power company), or do something exotic. 

The thing is, it's been profitable for sure and we haven't paid taxes on 2018 yet because really we didn't think anything of it- we just kept trading up and reinvesting what we earned into more exotic cars.

However, before I realized that it wasn't going to be easy to get a high paying job I sold my car and used my savings to buy a Chrysler Crossfire, I wanted something exotic looking and in my budget it fit the bill. 

It gets a second HUH along with big grins:)You have a standing offer to go shoot some exotics with me if you wish!