Capital gains tax applies when you sell an asset for more than its adjusted basis, not when you borrow against it.

Been reading a lot about how student housing caps are in the 5's now, but curious if that only applies to the bigger buildings/portfolios, or if a lender will abide by those rates on the smaller stuff? 

This aligns with the other responses in the thread, as passive activity losses (PAL) rules govern how these losses are applied across your rental portfolio.

As we try to catch up on those back utility bills with the tenant, they have applied part of a rent payment toward the utility catch-up even though the tenant made a separate payment to catch up on the utilities, as previously agreed and discussed with RHR specifically (an installment plan to pay the entire past-due amount back). 

That same idea will typically apply to other types of credit.

Putting an offer on a house in Virginia Beach and my buyers will likely be applying through United which is listed as the mortgage company.

Specifically in SC, though, I would check two things - 1) see if the ATI exemption applies and actually quote the taxes for that particular property on the county tax estimator tool, and 2) get a ballpark quote from your insurance partner on the particular property.

My issue is not knowing who to talk to to make sure everything is legal or making a plan to apply for new zoning.

3) Lastly what would happen if I applied for a construction loan application that pertained to Real Estate?

@Luis Maza Just like there are quality contractors out there and those that are not, the same applies to wholesalers.