Hi Francis, the idea is based in the accounting formula of "Owners Equity=Assets-liabilites".

My question is do other members usually pay overtime for cleanings done on major US holidays and where do you draw the line on what are considered major holidays? 

DSCR loans won't use your income to underwrite the loan.DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Based on the information from the BiggerPockets forum posts, some of the best places to invest in real estate that were frequently mentioned include:Ohio - Specifically cities like Cleveland, Akron, Canton, Columbus, Cincinnati, Youngstown and Toledo.

(based on the tone of your question, I'm gonna assume you are the ladder case). 

If you follow dogma on websites about the “best” property to buy, you are unlikely to get reliable tenants because each location is different.Once you know the property profile for the properties you want to buy for a reliable income, it is time to select the properties.Property SelectionIn addition to conforming to the property profile you created based on income reliability, there are additional considerations, as illustrated below.The rent is the critical factor.

The draw in the summer months March to October is going to be fantastic with high occupancy and $400+ a night rates depending on size and amenities. 

I don’t want to draw a salary right away and instead build the EF… but is that smart?

My name is Ryan Montes, and I am a branch manager with Change Home Mortgage, based out of Anaheim Hills, CA. 

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