@Bryan OjedaIf the business has been paying the debt for 12+ months, you can usually remove the liability from your calculations.Keep in mind that while DSCR loans don't always report to credit, THEY CAN.

In commercial real estate the tenant pays for everything including those pesky condo fees

I’m planning to update and repaint, maybe increase rent on one side to 3000-3100 while I live in another unit and replenish to legalize garage space.Monthly payment: $7033. landlord pays for water, everything else is separate.It just feels very tight in the beginning before getting ADU gets legalized. 

I am struggling trying to decide my next step- should I try to pay down my two current properties that I own as much as I can (I make about 150-200k a year).

You are paying money thinking it will bring you business, when in reality it's just bringing you a bunch of contacts that aren't serious.Build relationships.

I am not usually the smartest person in the room but I like listening to them and paying attention to their advice.

However, from my understanding, it takes a long time to pay down the principle when making mortgage payments.

She should only pay for the unit she occupies and the days she occupies it.I'm not real familiar with Venmo.

I am curious if there was a bank or app that you guys have used to keep your accounts separate, what kind of account, and how easy was it to withdraw, etc.?

The lender told me they got no score because I was paying my credit card balance to zero.