And this is why I'm trying to take the necessary steps to correct this poor behavior and joining this platform to get some input/knowledge/guidance/advice.

I'd estimate your cash flow after you pay the loan payment would be $600-$800, which a lender that understands investment real estate should give you some credit for on your DTI.As for a bank, I have a specific lender at NBI that I would recommend.That 600-800 you are factoring in the HELOC repayment each month too, correct?  

For the HVAC, I'd just question if that's the correct and best way to go about it, but I'm not an expert, but certianly you won't get interest listing a unit for rent or sale without HVAC.

Not sure if this will go against the culture here but if I read correctly and you are considering tying up your primary residence to an investment property please reconsider leveraging the home your family lives in. 

It should be pretty accurate - high level data sites are not always going to be perfect, but should always be directionally correct and AirDNA has a pretty strong track record. 

If done correctly it can be very profitable.

I think that is absolutely right path for the big owners like you.

Hey @Eddie Gonnella, @John Underwood has it 100% correct.

This is correct.

Hi @Noyessie Hubert that should be correct.