Reason being is that North Jersey is influenced by NY and South Jersey is influenced by Philly.

This is an area of the tax code where there is a lot of confusion because of "influencers" pushing a lot of bad ideas out there.

Now to rates, the Fed is supposedly independent of the President, but there might be some slight influence.

And the Fed raising rates trickles down to higher mortgage rates by influencing the 10-Year Treasury Note. 

Many turnkey providers influence the appraisal in their favor.

Source: American Homes for Rent Annual Report for the fiscal year ended December 31, 2023, page 27 (https://www.sec.gov/ix?

The section stating, 'This home is meant for families...' was directly influenced by local regulations. 

The decision to use Schedule E or Schedule C for reporting rental income from house hacking can depend on various factors, including the nature of your rental activities and how you've structured your rental business.Schedule E is typically used to report rental real estate income and expenses for individuals who own rental properties as investments or passive income sources.Schedule C, on the other hand, is used for reporting income and expenses from self-employment or business activities, including activities that are considered to be actively managed.The interpretation of the tax code and the determination of which schedule to use can vary based on individual circumstances and the tax preparer's expertise.Your tax preparer may reference relevant sections of the IRS tax code, such as IRS Publication 527 (Residential Rental Property), IRS Publication 334 (Tax Guide for Small Business), or other applicable publications and regulations.Factors that might influence the decision include the level of involvement in managing the rental property, the intent to generate passive income versus active business income, and the structure of your rental business (e.g., sole proprietorship, partnership, LLC).Ultimately, it's essential to work with a tax advisor or accountant who understands your specific situation, goals, and the nuances of rental property taxation.

DSCR lenders make their own criteria, often influenced by conventional loan criteria but for a cash out refinance on an investment property you can get out cash out on the new appraised value at 3 months.

Final decisions are influenced by local demand, seasonality, popularity of tourist destinations and other factors.