Most folks here find a way to househack (myself included) to build wealth or the next down payment, and move on from there. 

Bought Renatus education for the courseware and building upon that.  

For those who have tried Airbnb long term rentals (typical more than a month), how do you factor in the utility bills?

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Did you get permits for everything and did the building inspector sign off on everything? 

Figure what the most important factors are to you from purchasing an asset.

Under the BUILD YOUR TEAM tab.

In my primary I have two tenants living in separate building structure. you could still cash flow in bay area if you have SF with 5-6 BR or have multiple building structure.

I graduated college last year and I'm starting to build my career toolkit (while paying down just shy of $15K in student loans).

My name is Caden, and I’m the founder of a company building an AI tool to help with tenant management.