Leverage your construction skills for flips, start with smaller projects to minimize risk, and consider house hacking or long-term rentals for a steady income.

The problem is there is no income assumption you're making each month and how much of your money you're saving towards paying down your loan (inside your offset account with AIO CMG loan) since the disposable funds after your living expenses are transferred over to reduce principal balance each night at 12:00AM.

Are you able to request their balance sheet / income statement?

Year long lease typically, with subletting allowed to offset summer months cost to tenant.I worked out some high-level math: Assuming there is a 6 bedroom single family house for sale for 800k, and I can rent for 6k/month.Financing: 350k cash, 450k loan @30yr, 3.8%.Assumptions: 7% vacancy/yr, $4000/yr repairs, $10k/yr property tax, $4k/yr insurance, 8% management fee+50% first month rent on new leaseMonth-to-month breakdown: Income: $6000 Vacancy, Mgmt fee, repair, taxes, insurance: $2300Loan PI: $2650I'd take home ~$1000/month. 

The expectation here is more income, assuming that your property is in an area where furnished rentals are in demand.

The property is $400k and brings in about $40k in rental income without the residential unit. 

I am not saying 25% threshold, I am saying they should work or have another solid way of income and can contribute a healthy portion of the rent. 

Not much if any attention is paid to the guarantors, credit, income, etc. 

In 2022, half of American renters spent over 30% of their income on rent and utilities, the highest percentage ever recorded. 

@John Slater - So you knowingly associate with James Piccolo, whom the Arizona Corporation Commission fined $6 million dollars in restitution and fines for defrauding 105 investors with unregistered deed of trust investments?