However, if the credit report shows they have $1,000/mo in car loans and $200/mo in student loans, and they've been late a few times so their credit score is below 650, then they actually do not have earn enough and the report reflects that they have been late in the past.

@Carlos Ptriawan initial thoughts are to have the ADU performing as a rental with a lease in place and ensure the county knows of it so it's reflected with the assessor.  

Please look for an email inDecember with amanagement agreement that reflects the name change.

Drawing on my two decades of experience in the real estate industry and reflecting on Lawrence Yun's forecast, Chief Economist of the National Association of Realtors (NAR), let's dive into what 2024 has in store for us.Key Predictions for 2024:Significant Increase in Home Sales: Yun anticipates a 15% rise in home sales, suggesting a dynamic and flourishing market.

@Sean Price The market is good, but I do get the feeling it is much better in other parts of the country, so relatively speaking it's not good compared to other areas.However in absolute terms the market here is doing pretty well, with both rents and prices rising a good amount in the last couple of years.So if you're already set on Rhode Island, I think you could do reasonably well as an investor or agent.Every town has its pluses and minuses so I think it really depends on where you settle, how far you want to travel (especially if you're managing properties yourself), etc.Many people like to focus on Pawtucket because it's closest to Mass. and is close to the Attleboro T stop... but many people are also aware of this, so there's more competition there.So there aren't really any secrets or "tips" to give out, since most market participants (or their agents) are in tune with the market for things like that.Another area you could investigate is the west side of Providence which includes Federal Hill, but again, that's no big secret, many people know that area's been improving, and prices have reflected that.My suggestion is that you get settled in on the ground and then start investigating areas yourself, talking to agents, attending or joining at least one real estate networking group such as RIREIG in RI or Black Diamond REI for southern Mass, and seeing what areas appeal to you for the factors that are important to you.Good luck, and of course as you have questions along the way feel free to post them here on BP :)

Sometimes, the active rentals are not reflecting the real rent price.

I want to get started buying properties but my taxes do not reflect enough income to receive a traditional loan.

The reason the above posters are upbeat on Provo is really more a reflection on the Wasatch Front in general. 

Please make sure your tax returns are filed on time and reflect a profit for 2021 and 2020.   

I would add this is at least in part a numbers game, organize the information, Wright out your goals, pull your own credit score and take it with you otherwise they will want to pull it and if you don't move forward it reflects against you. call some local bank and credit unions, call Jimmy.