My hourly rate is very low, and I make most of my income from over time.

Why I Love Student HousingRent Premium - Students will typically pay 40-50% more in rental income than market rate housing.

Also wondering if LTV rate would change if we occupied one unit?

Property taxes are also higher in AB than BC (for properties with a similar assessed value).I bought in BC when interest rates were lower, so it was easier. 

To illustrate, a property initially valued at $60 million might see its worth decrease by 30%, settling at around $45 million.Basics on Property Evaluation:To figure out how much your commercial property is worth, you can use the following simple math equation.

The other reason is that you need to keep those interest rates low, very low.

It is no secret that with interest rates at 7-8% that it can be challenging to find properties that cash flow.

On that program it does require 'Full Doc" income so W2 or 1099 income would be required.DSCR also offers 30 Year Fixed, ARM programs for lower rates and Interest Only which can help with first few years initial cash flow.

Remember though you either offer on total CAP rate or pad rate only plus wholesale value of the trailers.  

It is essential to conduct research on school districts, crime rates, and market trends.2.