That may not apply to you, as a financial professional, but I thought I would share the story.Obiously you could re-lever your portfolio to bring the ROE back up, but then you have to place those borrowed funds somewhere that nets a high enough return that the portfolio is ahead, given the drag of the interest and any transaction fees.    

Financially I do not need to have it rented tomorrow, I can wait a bit.

They have no credit history, so you have no idea how responsible they are financially.

There was an onboarding phase, which was mostly about uploading our financial docs and answering questions.

It is very high risk investing now, both financially and legally.

It’s astounding how many fake documents are circulating today—you can find everything from fake references and stolen Social Security numbers to falsified income documents.To combat this, we rely on tools like Plaid, Verifast, and Snappt, which are excellent for verifying financial information and detecting fraudulent activity.

The credit score is the single best indicator of how one pays their financial obligations.

It would be a undue financial restriction for solar on the ADU to produce that 15%. 

The house is only in my name at this point, which was intentional when we married, and when we moved out of it as a primary residence to hopefully avoid ex’s gotta financial pursuits.

If your current lender can’t accommodate you, explore STR-focused lenders like Host Financial or Lima One Capital, or consider bridge loans to buy time while you build your rental history.