@Adam Schneider - the other issue I have had in the past that I'm trying to mitigate is a situation where once in escrow and post-DD, the appraisals came in substantially below the purchase price (poor comps if you ask me!)

Call the number in the image below (BiggerPockets wouldn't let me put a phone number in the text so I had to upload an image file).Wait until the Spanish speaker speaks and the English speaker speaks again, then press 2, then 4, then 2, and you should be able to be connected to somebody or sign up for a call back (the latter probably being a better idea this time of year).

Here are some recommendations for you:Find and connect with other BP members that are in your area: http://www.biggerpockets.com/meetSet up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/alertsRead Beginner’s Guide: http://www.biggerpockets.com/real-estate-investingCheck out BP Podcasts: http://www.biggerpockets.com/renewsblog/category/podcast/If you wish to tag someone in the conversation on the forum, type @ followed by their name and then select the name of that person which should appear below the comments box.

Please tell your accountant to see below from form 8949 instructions.

I currently have occupancy through next May (2019) for this unit and was wondering if I should renovate now or wait until they vacate.I am a little tore because realistically I would not be able to raise rent to offset some of the improvement costs until this lease was terminated and the current monthly rent is already a tad below market without the improvements. 

Below is the details of my properties:Property 1:Purchased in May 2016Original Purchase Price $63,000Remaining Mortgage: $28,000Current Market Value: $85,000LTV: (28,000/85,000)= 33%Property 2Purchased in November 2017Original Purchase Price: $100,000Remaining Mortgage: $84,000Current Market Value: $105,000 LTV: (84,000/105,000)= 80%Total Portfolio LTV= (110,000/190,000)= 58%Thanks in advance!

Maybe not duplexes...if it cashflows and CDs are still below 2% you’ve got to wonder.

Take a tour of your neighborhood properties and bring them up to or slightly below that level.

Based on todays interest rates for every dollar of dead equity in a property you are losing 5% annually.Dead equity is the most ultra conservative approach to real estate investing and reduces your ROI to below the most conservative returnes.

Now my DTI is maxxing out and I wont qualify for loans in the future.I am looking for advice on options listed below or direction im not seeing.Option 1.