I still have a lot to learn but have polished off most of the BP real estate podcasts and have self educated my self a lot on wholesaling (mainly from American perspectives, not sure of a lot of the differences between our laws yet in regards to wholesaling).

Show #60Show #70 Show #77 Show #93 Show #108 Show #109 Show #110 Show #111 Show #113 Show #117 Show #121 buy and hold Show #125 Micheal Gerber emyth Show #131with Serge shoecotShow #133Show #134 BMX bikerShow #135 raising money Show #140 books to read.Show #141Show #152 top guys in real estateShow #153 600k in debt to 150k per month in passive incomeShow #155 be friends with people that get you dealsShow # 156 lifestyle engineering Show #157 miracle morning Thanks, Dustin Gale 

Mainly because of Covid.

How does our shared mortgage effect my individual debt-to-income ratio?

I am self employed, and will claim 60k/year for 2017 and 2018 with no debt.

.), my main concern right now is: does this mean it's defaulted to a Month-to-Month lease?  

However, with the normal wear and tear/ usage of the two main entry doors to the units foyer area, we have had more than 5 service calls on the locks (for batteries, lock mechanism not functioning, etc.) and both front door Locks have had to be replaced once already and I am thinking it is time to use a different Door Lock method. 

However, I think a potentially serious logic error make be in the Wholesaling Calculator (which is needed and should be maintained).For example a rental wholesale can be measure by any one of the following:- Cash-on-Cash (cash purchase)- Cash-on-Cash (loan purchase)  **note: I have not figured out a logical approach to this one yet- Cap Rate-with-Purchase (NOI, 50%-Rule for expenses, and market rent [cash purchase])- Cap Rate-with-Loan (NOI, 50%-Rule for expenses, market rent, Cap Rate, and debt coverage [leveraged purchase])I have a rudely designed spreadsheet to do all three (3).

Long story, but I lost a lot of money to a shady contractor and have been racking up personal debt to get the thing finished.

Also keep in mind that any debt pay down, as you pont out, is not positive or income until you sell and there are zero guarantees that you will ever see that money.