A link to FilePlace is at the bottom of every page, so it is easy to find.If you have technical issues, send an email to [email protected] and someone will help you.

(Technically from broker to broker who then pays the agents)

There a significant deficit of technical and professional knowhow to get past here.

At a technical level you have two paths, either 1) combining the bottom and ground floor units into a larger unit as you suggested above or 2) create a third legal unit.

I'd agree with @Devin Peterson, best way to get this answered is to get a few quotes from different lenders and compare - either on BP Find a Lender or just googling (also if you post a version of this in the Classifieds subforum - or it might get moved there, you can interact directly with DSCR Lenders here - although this subforum is more about technical questions).

A link to FilePlace is at the bottom of every page, so it is easy to find.If you have technical issues, send an email to [email protected] and someone will help you.

As for the insurance situation, @Jaysen Medhurst is correct, that your insurance company will be concerned that you're using the property in a way that it wasn't technically intended, even if it's property setup for a three unit per building codes.

I will present two (somewhat technical, sorry) points that are essential for the specific question asked by OP.1.

Most CPA will say they work with investors who own real estate all the time and that is probably technically true because so many people do have one or two properties, but that doesn't mean they treat their properties like investors, nor do those CPAs necessarily know how to take advantage of real estate tax rules.

The technical support is second to none.