Jennifer - If you have vetted the prospective tenant thouroughly (i.e. credit check, income qualifications, etc.), you shouldn't have to worry whether or not you sign them up for a 1-year lease or a month-to-month. 

@Grant Gibson there's a great book called Passive Income In Commercial Real Estate by James Kandasamy. 

We are also getting a forgiving loan of 30k for the duration of 10 years from the county for 1 unit if we rent out the 1-bed basement unit to a household with income less than 100k and at the rate defined by the city )(~1183+ utilities) for a 1 bed unit.

How much monthly rental income are you shooting for? 

I want to take advantage of the 0% LTCG rate up to 90k-ish MFJ + standard deduction, but if I use all of my capital losses realized in 2022 against all of my income from 2022, I will show zero income.

You mentioned a prepayment penalty, more information on DSCR loans available below.DSCR loans won't use your income to underwrite the loan.

I am licensed real estate agent but concentrated on investing and building a lead generation business.

Does the return now (rental income, asset appreciation, etc) outweigh the potential for rates to slightly drop in the unknown future?

New Philly resident here with out-of-state rental income.

Most realtors can not get much loan due to nature of his un-predicable income as 1099 and have terrible credit score issues.