They are not working and are on fixed income so I did not want to pursue for damages or even give them a hard time but struggled due to the fact that I felt bullied and lied to.

@Angela SammonsI am not sure if you need any property management tools for one rental unit, but I would definitely open a separate bank account to keep the funds separate from your own.

Your current accountant should have the exact number that is your adjusted cost basis of the old property at their fingertips. 

As a new civilian, I am now a 1099 employee and do not have any W-2 income. 

In 2023, my first full-time year, my income was $145K, bringing my total (2-year average) net income to about $85K.

After calculating income for a new build plus cost of land, even with agressive nightly rates, it just doesn’t add up.  

A handful will allow it as long as you are not collecting significant additional income from it.

Banks only have 10% of the money they lend thus it makes sense for them - but for people who are not a bank why make 6% taxes as ordinary income and barely keeping up with inflationThat $1000/mo payment will be worthless in 20 years.

She meets the income requirement of 3x the monthly rent, however when she goes on maternity leave, I am not sure that she will.

That would help as it would be seen as an income property and some banks are willing to lend on that.