Also, be careful of large and local companies upselling you on fancy corporate formations and fancy tax planning packages. 

However, they dont want to be anywhere near the loan or title because they dont want any lawsuit liability from my STR.With my income and credit score, the terms for DSCR loans or conventional investment are not good.They own their primary residence in cash and its value is around 2 million.

I then have my Chase Business Account linked to Stessa so it will import the payments and still run all the features that I like (Tracking Rental Income, P/L statements, Tax form simple print outs) because it will sync with my Chase Business account.Would love some advice from previous owners and users of Stessa.

The person willing to run such a website for a reasonable fee, would have a large, steady source of income, and the lenders and borrowers would get what each of them wants. 

By this I mean I was renting it out in 2021, but depriciation and mortgage made it income negative.

Census data - median household income, employment stats, bachelors degree percentages, crime, vacancy rates, appreciation2.

However, I have my job and side hustle still bringing in income.

This property then to a lender looks to be negative $750 a month against your DTI.So really your DTI plays in based on what price point of property you are buying against your incomes and debts.

What will your combined W2 income be after taxes when you get married?

Income?