Perhaps it is hard for people from the states to understand - but the rule of law, and clarity in regulations etc really makes it so much more attractive than other places where you never know what new policies might come into effect forcing you to take massive loses etc.

The next part that I learned, and this an IRS rule, is that you can only have an average balance of $50K out per calendar year. 

Quote from @V.G Jason: Everything I've seen has been since before the ruling; the seller is paying both sides. 

As a 3rd-party real estate consultant that has no skin in the game other than what I charge, I provide exactly what you've described—unbiased, no-nonsense, and straightforward advice.

@Tayvion Payton to get a better understanding of the loan products, it's best to have a conversation with a commercial loan officer at a local community bank or credit union.On commercial, the number one rule is a deal meeting their DSCR loan covenant, which is typically 1.2 to 1.25. 

Something I forgot to mention is I’ve been in the house since 2017, so the 2/5 year rule shouldn’t matter.

The typical rule of thumb which works well is GROSS monthly income at least 3x the rent.

If property is done right even in todays market you can hit 1% rule and attract very desirable college students.

Leverage local experts: Connect with an architect or zoning attorney familiar with Scranton’s rules.

Most people don’t think it’s a good strategy, and I tend to agree.That being said, the problem with your message is that it’s filled with BS mumbo jumbo because you’re afraid to be straight-forward about what you’re doing.