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If you co-sign, the loan will consider both your incomes but also both credit scores, so her credit could impact the terms or buying power.

I  started keeping an event journal to remind me of issues or unique incidents that impact the income/occupancy of each property, including maintenance block-offs. 

This is where a sale may benefit you long-term if you can find an investor to take it before the increased rate and pending rent decreases impact the value of the property further.

Assuming the insurance premiums don’t significantly impact my cash flow (which is one of my primary goals), how do you assess the risk of taking out a loan under my personal name versus opting for a commercial loan that requires a larger down payment and comes with a higher interest rate?

I don't know how much the $ impact is of your rate increase, but how much are you increasing rents?

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.- Most people kept their ADUs under 750sf to avoid the impact fees- For subdivision, it wouldn't be applicable in your case due to your lot size.Feel free to reach out if you like to discuss in details.

@David Krulac that's for sure, I wasn't really talking about population growth, talking about the amount of new supply being built which impacted the overall supply and demand.

It may impact someone who already has an existing respiratory issue, but it won't cause illness in a healthy individual.I recommend inspecting the property and determining the source of moisture.