Subsequently, we discovered multiple leaks in the roof, resulting in water damage, including mold growth in our closet.

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 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

We have at least 2 rehabs under our belt but this house needs literally everything including some foundational repairs.  

@Yasmin Sharbaf if it’s not new construction, your agent would usually have shown you current tax records including what they list as square footage, especially if that was a known concern of yours.

People who don't own dogs casually call about a dozen different breeds "pitbulls," including some boxer mixes.

I am including an itemized list of repairs next page.Thanks,Dear [Tenant],This letter is regarding your security deposit of $X for the property located at [address] for the lease period of Jan 2023 - 2024.I am deducting $X from the security deposit for charges listed in the Resident Responsible Charges document.

You may not include income earned that is not on a tax return, an administrator or PHA may consider additional income in that household, a teenager may mow lawns or receive child support that may influence funds available to that household. 

**edit: forgot to include that rent by room is not very popular in Fresno.

Red Flag.

Otherwise, I spend a few hours on bookkeeping each week, but that includes all my properties and business entities.