I don't like the returns but we use regular savings accounts. 

deposit to account xxx?

Account Closed It will only show on your credit report if the person who is holding the notes goes to a servicing company so it is recorded.

Also, this would only remove the mortgage debt itself from your DTI if it was to work; you would still be hit with a liability for the annual taxes, insurance, and HOA fees (but also receive the benefit of the rental income).

This is our "8 x 8 project" - there, I've said it out loud to remain accountable! 

-PatrickA high yield savings account has a number of advantages.

My building is in a small community and unfortunately the other plow guys I contacted for bids would not agree to take the account away from their peer.

Here’s a quick breakdown of our financials:Operational expenses (excluding mortgage): $33k (Jan-Dec 2024)Annual mortgage payments: $58kTotal needed to break even: $91k+Income earned this year: $80kClearly, we need to bridge a gap of about $11k just to cover our expenses, and I’m exploring options to increase profitability.

Housing agencies have an annual budget and issue vouchers based on that budget. 

You need to renew this annually.