For your existing rental property, the net rental income from your Schedule E on your most recent return will be used in your DTI.

Here’s what I recommend:Cash Investments:No Debt, No Stress: With cash, you avoid third-party control and loan vetting, giving you full control of returns.Equity Builders: Partnering with builders often reduces your property entry cost by up to 20% below market value.Consistent 10% Returns: With an all-cash approach, achieving 10% ROI is realistic and efficient.Financing Strategy:If cash isn’t feasible, consider a balanced financing model:40-50% Down Payment: Keep leverage manageable while maximizing returns.Lower Debt Exposure: A conservative loan-to-value ratio (LTV) reduces risks and keeps returns stable.Work with a Builder: Collaboration with builders can lower acquisition costs and increase your ROI.Key Takeaways:If possible, prioritize cash for simplicity, control, and consistent returns.Financing can work well with a disciplined approach to debt and a strong underwriting process.Partnering with builders offers opportunities to reduce costs and enhance your portfolio’s profitability. 

The wifi was scheduled to be set up on the day of her move in but because of a strike at AT&T, they weren't able to come until several days later. 

I wish I had even half your discipline when I was 16.

I haven't heard of any meeting scheduled.  

What’s your tenant’s schedule like next Monday?

I have no time to schedule a contractor to walk through and provide a comprehensive bid.

I see too many depreciation schedules done on 27.5 day depreciation schedules for STRs.

It’s crucial to stay disciplined here, as overspending on land can limit the funds available for construction and other expenses.Development Scale: I’d recommend avoiding developments in the range of 4-50 units unless you have a very specific reason.

Evaluate New Loan Terms: Look at the potential new loan terms, including interest rates, repayment schedules, and any fees associated with the new loan.