If you Bank/Lender does not allow it you can refinace the mortgage into a DSCR or true Portfolio loan program. 

I’m all done playing those games.    

"It's a numbers game".Ohh and please ignore all the other people here on biggerpockets asking the exact same question dealing with your exact same issues complaining that they all are getting the same horrible results.

If you’re looking for ways to make the numbers work, sometimes that means evaluating different markets, financing options, or property management strategies that help mitigate risks like vacancies and maintenance surprises.You’re not alone in feeling like 2025 could go in multiple directions, but one thing remains true—real estate continues to be one of the strongest vehicles for long-term wealth when approached the right way.

Outside of real estate, I’m a huge sports fan, so you can usually find me glued to almost every game on the weekends.My interest in real estate began as I explored different ways to generate passive income, which ultimately led me to the BiggerPockets community.

If you're looking to buy bigger buildings that's another ball game altogether.My advice: what investing do you feel most confident and excited about?

It's a long game, not a sprint. 

I wanted to get back in the game again but don’t have much in reserves that most if not all HML require.

Once you’ve made all of the rookie mistakes and have your SOPs in order, you can go invest out of state with a game plan.

Thank you allThis sounds too good to be true.