I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

We're trying to decide whether or not to pay it off or save to buy another property. 

No additional protection, no tax savings. 

However, she has requested a Rent Credit.I have no problem letting her clean since that will save us money and allow her to get in there faster.

I currently have around 100k tied up in sticks right now which I would prefer to leave in and just continue to save with the plan of getting a place in the next few years, I would get a second job to raise the funds.

That brought me to about a year ago, when my Mom wanted to retire.

Now 3 of the 5 taxing authorities give a credit for doing them on time which can be as high as $150 savings for me each month and I am not sure I would get that using Avalara.

The quick short answer in my opinion is this: If you want growth stick to the small multis that you know and once the mortgages are paid off retire fully.

I'm passionate about real estate and how utilizing this asset class can enable me to build generational wealth and retire early.

@Roman StefaniwWhen retirement accounts in the US get financing, the loans are called "non-recourse."