It's a false sense of security because if the right attorney came along, not only would your insurance be maxed out, but they could still take property and/or income.

Lower-income residents bear the brunt, with vacancies for apartments under $1,100 dropping below 0.4%.

Great question Luke, As a lender we use your personal income and the income from your properties to qualify you for the mortgage. 

A DSCR loan (Debt Service Coverage Ratio) type loan would look at the rental income and expenses and determine the amount it could lend based on that.

Just a little background, we are big on long term and big on passive income.

You'll need to fill out Schedule B and also the interest income section of your tax return (usually Form 1040). 

Hello everyone,I'm a Software Engineer from the Bay Area, looking to start investing in small multi-family units in Sacramento for passive income, but am also open to SFHs for flipping opportunities. 

Then, in order to generate more income and also move closer to work, I decided to sell my house and move into a 4 unit MF in a city where I live in 1 unit.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with zero or negative relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Trenton and Camden pull good rental income, but as an owner you need to have a high tolerance for bs.