I am grateful that you shared this, because I do think a lot of these gurus, while generally having good intentions, are typically very naive and lack experience to truly teach anything.  

It generally isn't worth the brain damage of experimenting though....especially if you want to move to a new home that you will own inside of the typical lender's seasoning period.

National banks typically do not offer products that suite your needs here. 2.

Since the payment was deposited into your account on 1/6/2025, it would typically be considered income for 2025, even though the tenant paid it on 12/31/2024.However, if you use cash-basis accounting (which most landlords do), the key factor is when you physically receive the money, not when it was sent or owed.

Consult you insurance broker for specifics but I found this policy to be very protective and reasonably priced.With regards to an umbrella policy they are typically good to have.  

Typically, 8- 12% net for OOS investors based on cash purchases.Good luck 

Off street parking is typically more important for high end/expensive rentals.

To echo Dominic, typically if you need to raise under $1mm of equity, the formation costs become overly prohibitive.  

Most DSCR loans come with a prepayment penalty that is typically 5% for the first year, 4 points for the second, 3, 2, or 1 pts for each year.

Typically its done for open space or use for community property (ie. fire station location or other county use) and typicaly would assist in increasing tax base.