I've been going about as long as you have and things are starting to come together and happen for me here in Sacramento.

If you ever want to connect, I'd be happy to do so and be of any assistance in getting you started on your future. 

Also, I'm not sure how you're paying attention to it on the tax side, but the unit that you are living in's profit at sale is calculated differently than the other unit that you're renting out.Once you move out, that unit is officially available for rent so from that point forward, any profit gained at future sale will be calculated starting from that point and will be taxable.

Back to the DTI, if you want a quick down and dirty way to do it, start with the bottom line 24 on the 2024 return, then add back in Depreciation (line 18), and possibly interest expense (lines 12 and 13) IF it's also counted against your debt in the liabilities section of the application.

This might he the start of a new niche to take advantage of.  

This allowed Jerry Scott and Chad Wolfe to focus on the execution of the project without needing to invest their own capital upfront, ensuring a streamlined process from start to finish.

@Robert Kline, I would start by talking with your local building department. 

Hi, I am just about to get started in real estate for the first time: I am thinking about getting a triplex.

My son currently lives in the townhouse b/c he is going to school and works in the area.Since he is young and starting out in life, I would like for him to only cover the basic costs (taxes, HOA, utilities) just enough for me to break even (I believe that will put him slightly little lower than market rent rates). 

You've already got a fast start.