I am told the basis depreciation recapture isn't a factor in this. 

I'm looking to use a personal line of credit towards a down payment on a rental.If I get a personal line of credit, say $50k, and the repayment on it is 1% principle + interest, what is used to factor into my DTI for the mortgage?  

FHA and VA financing are not the bank's favorite avenues for cash because of multiple factors but primarily because, VA won't allow the buyer to pay for a lot of closing costs and for VA and FHA, they want that property in turn key condition.

To me, that would be the determining factor.

Generally speaking I'm for it,  but it depends on alot of factors (like location, cost,  etc) as to whether or not it's a profitable venture. 

There is actually no corelation between the cost of a hotel room in vegas and anything other than their load factor. 

it seems like the margins would be pretty slim, but I realize there are a lot of factors at play.

But there are SOOO many other factors that are in play.I talk with folks who aren't pre-approved, but only engage them enough to have a buyer-consult and refer them to my preferred lenders.

coinsurance penalty , or how the  $2000 or 2% on your deductible is factored at the claim.

So you get more bang for your buck with the 17-unit but factoring the vacancies should drive down its value in your scorecard.If your risk tolerance is low, I'd focus primarily on properties with higher cap rates, then zip codes and other criteria should follow thereafter.