As for offering subject-to financing, this is something that can be advertised under 'seller financing' in our local MLS, and there's investors that search specifically for listings with that marked, so that should introduce your property to a new set of buyers that may not have considered it before.

Instead, look at your major location-specific operating costs as an investor.

More specifically, you can refi out of your name and into a LLC only your wife owns. 

Consult with a legal professional for guidance specific to your situation.

If there's ever a specific property you want a second opinion on, I'd be happy to provide it to you. happen to see your reply and I currently own a several SFH in Springfield, I wonder if you can refer several good property management which I try to automate the whole portfolio?

There is a big distinction on the variety of restrictions you need to be aware of with ADUs in Chicago specifically.

Those are the only properties I need to give a specific accounting for as far as my debt goes.

•HOA & City Rules: Some areas have restrictions on STRs, so always confirm whether short-term rentals are allowed in the specific community you’re looking at.7.

The best thing you can do is to get in touch with a few lenders and walk through your specific scenario. 

Set a specific goal, then work towards it.1.