Despite struggling with my declining poor mental health, exhaustion, stress, anxiety, and financial worries this whole time. 

I am just tired looking for some rest, and stability, which can be done, and obviously I am not gonna pay for 2 apartments, I don't see why I can't just switch the lease but I get it okay, thanksWow, he's exhausting.  

(I'd prefer to not do an LLC because it seem the fees in illinois are even higher than an S-Corp) Any thoughts?

Brandon, An accountant can help you set up your LLC cheaper than an attorney.

Small world, I was born and raised less than an hour from you in the city!

With our rehab budget exhausted and no money in the bank, I put that sucker on a charge card and made payments for years, shuffling it from promo balance to promo balance.A couple of months later, the tenant was complaining nonstop about being too cold.

I have personally found out that doing a flip more than an hour and a half away involves a ton of learning curves, they take longer than my other projects, and I normally make less.

With a dozen LTR I don’t spend more than an hour a month on them.

If you do need a mortgage to be more "creative" then you will need even MORE money for a downpayment than an FHA loan or a conventional loan.  

They want to make sure you have income source to pay the monthly payments.I can imagine going though a PhD education is time consuming and exhaustive.