Gave him 10 months free space rent and paid for all his utility hookups. 

Some expenses, such as utilities, property taxes, and interest, incurred during this period may also be capitalized.

Need more information surrounding why your current lender is suggesting they cannot utilize the rental income on your investment property.

S8 standard voucher amounts INCLUDE all utilities.

Building a sport court will run like $30 grand, but would increase your rental value. a 6bedroom 4 bath house with a sport court, hot tub, fire pit, mini golf, arcade etc. will most likely crush it because it's cool.

.$8,981 mortgage at 7%$2,918 expenses monthly 33.38% of Gross rental income (Prop mgt, maintenance reserve, utilities, Prop Taxes, Insurance, other)$6,852 NOI/monthly ($2,129) negative monthly cash flow..Same scenario with 50% down, $864 positive monthly cash flowNot saying it's the best use of capital or the only way to do it, instead providing an example using an available market opportunity to share what the numbers look like. 

Looking to utilize my equity as necessary as I purchased during the onset of COVID before the prices skyrocketed.

Learn as some level what the 6 ADU regulations permit.Under utilized zoning: Is there a duplex where there can be a quad. 

There are actually THREE kinds of subject to transactions1- subject to existing mortgage without lender approval2- subject to existing mortgage WITH lender approval3- subject to existing mortgage as part of a seller financed wrap around mortgage.with #1 and #3 it’s in everyone’s interest to utilize a third party servicer, who collects and then distributes payments.  

I know I need to get a credit card and keep my utilization ratio low, but I wouldn't know much about the process of actually receiving a conventional loan from a bank or any type of loan.