I make $120k - $150k per year and am based on the west coast.

Living in California, you will lose your very low property tax base if you do a 1031. 

Again, I strongly believe this is far from over and it would not be prudent base investment decisions on this initial ruling.

@Orane Jacobs Over the past 6 years, I have help many people from biggerpockets house hack san diego based on their price point anything from a 3 bedroom condo/townhome to a 4 unit multifamily.

I can't find a DSCR based HELOC program in NJ either.

To add to it, not sure about your state, however in Mass, families are a protected class hence we cannot discriminate tenants or applicants based on their family orientation.

The difference in pre-qualification between base pay vs overtime is significant enough for this to be a deal breaker.

I'm based in NY.

That's why I want to leave the marketing, underwriting, servicing and potential default negotiations to the professionals.My role is to evaluate loans based on my needs and risk-tolerance.

@Travis Peterson  You’ve got different options based on your personal financial picture.