Furthermore, I have an additionally factor of safety of 1.4-1.6 which means I say it's capable of only 70% of what it's actually capable of.  

Airbnb algorithm is a mystery somewhat - but the algo does factor your cleaning fee, cancellation policy, review score, and more when factoring visibility.

We're contemplating allowing pets, as there will be no other roommates besides us and we don't have any allergies.Questions:- Considerations for Allowing Pets: What factors should I take into account when renting to tenants with pets?

I have been investing in Indy since 2017 and your strategy would be the determining factor on location and the type of house you'll buy!

DSCR loans don't require all of those things - your FICO and the income from the property are the main determining factors.

If the rate is reasonable then it may make sense to try to save fast to get to the 3.5% down payment on a double or triple - househacking may allow you to increase your savings rate and pay down that loan even faster.As for estimating costs, closing in NY factor at least 1% of the mortgage amount for tax, plus $1500-2000 for lawyer, title and fees, then the amount required by the bank for escrow will depend on the actual property taxes and insurance.

The biggest factor to consider is the new interest rate since it’ll likely be higher than your current 3.2%.

It is NOT like what social media or influencers try to paint, it's hard work. 

And don't forget to factor in design/furnishings into your budget keeping in mind your ideal guest avatar.    

and yes, of course your budget needs to be able to factor that in.