I have lots of questions: Do I save %20 of the rental income for tax purposes?

Just send your RTR rep a message and we'll get you on the right track.This is an excellent loan option that will allow investors to scale quickly and maximize tax benefits!!

You have the cash or you have equity that will be converted to a HELOC, a retirement account that you will pull money out of and be subject to 10% penalties plus your tax rate?

They construct and sell houses in Florida using some kind of green technology which allows a tax rebate in addition to an 18-22% APR. 

REI areas of interest (what I like learning about and may take action on):Small Multi-Family AND converting SFH to multi-familyFix and FlipBuy and Hold long term or mid-term rentalsBRRRLand Flipping and Land EntitlementsModular/Mobile/Tiny homesForeclosures and Tax LiensAbout Me: 40 yrs old, married, working mother of 2.

You may find that lenders expect to see the rents on your tax returns for 2 years in order to count the rents.You may have to talk with the commercial side versus the residential side.

Check with your county tax assessor. 

North of town, west of I-5: 95219 Brookside (high end gated communities; Mello Roos school taxes - so high taxes; Lincoln School District; some peat dirt problems on streets; don't know about foundations); Spanos Park West (some gated; lots of huge houses; basically built for commuters just west of I-5; Lodi School District) North of town, east of I-5: 95209 Spanos Park East, Colonial Heights (most Lodi Unified Schools; though small pocket of Lincoln Unified) North of town, east of I-5: 95207 Parkwoods and Lincoln Village (Lincoln Unified Schools; was considered best family area due to Lincoln Schools, but lots of flat tops and built since the 1950s so electrical can be kind of minimal - 1 outlet in kitchen instead of enough to use multiple appliances); lot of remodeling in this area.

Cost segs are one of my favorite tax planning tools yet the tax benefit is dependent on facts and circumstances.

However, I cannot go with the traditional leading since banks need 2 years of tax returns as self-employed.