@Precious Thompson local law will dictate.

@Vance Wyly @Sean McDonnell @Patrick Thompson @Justin S.

It is very rare that a new purchase would increase your allowable income since 20% of the income is usually knocked off for maintenance, taxes and insurance and you must have some non-owner occupied experience to immediately count rental income....while this is a gray area I would think it would be unlikely for a new first timer to count rents unless all other areas were strong.I would suggest you go for the single larger loan as the future will be hard to predict.

@Corey Thompson

@Spencer Gray I think creating a list is fine and using it to advance ones business is too.

Provide input through any gray areas of the law, To help with contracts and generally keep us legal, moral and ethical.

I paint the concrete gray, have a mango wood table and chairs.

@Matt Thompson, thanks for the feedback.

I use neutral colors like white, gray or beige.No tile.

Much lighter shade of gray.