:)My wife is a teacher, and during the summer has a few months of self-employment income for another teaching job she does.

In such cases, the net income of each activity with positive net income for the year is multiplied by a fraction: the numerator is the combined net income for all significant participation activities, and the denominator is the combined net income for the activities with positive net income.Eg: Betty is a full-time teacher, but she also owns stock in two S corporations (Acorp and Beecorp) that pass through income to her.

We might not find anything like this by August, when we have to have a Chicago address for my wife to be a teacher here.

Forget the Wi-FI enabled learning thermostat and get the Home Depot cheapie.

When I first came to the US from Ireland, I lived in Santa Monica and worked as a teacher in Venice for 26 years.

This enables funds to be pulled out to the investor increasing CoC and IRR for the investor at end of yr 2. 

Also, Landlording on Autopilot: A Simple, No-Brainer System for Higher Profits and Fewer Headaches by Mike ButlerThese two books enabled me to build the management part of my business (which I think is the hardest part of BRRRR)LA

Always thought I would follow the teaching route until I went to a job fair and teachers were starting at $18000 yr at that time....I was like NO THANKS !

Use the Ramsey site to find an "advisor with the heart of a teacher" or maybe hit up the Money Guys. 

But FHA is a loan product made specifically for people with less than stellar credit and higher debt to income ratios to enable them to buy a home.