To be considered a trade or business for the qualified business income deduction, all of these must be true:Your participation in the rental activity must be regular, continuous, and substantial.You conduct the rental activity with the expectation that you'll make a profit.The rental activity is conducted in the United States or Puerto Rico.Rental activities that are considered trades or businesses include:A real estate professional who materially participates in the activityA rental to a commonly owned trade or businessRental activities that aren't considered trades or businesses include:Rentals for less than fair market value (FMV)A lease agreement in which the tenant pays for real estate taxes, insurance, and maintenanceA vacation home that's rented out and also used as a personal home

-- You will not find this level of service with a regular bank or credit union. 

If financing, I'd check with the lender on a partial release clause if you plan on doing anything with the second tract. 

If your plans have now changed from how this was underwritten, I would suggest you simply check with your lender.

If you’re talking in city limits you might have a permit problem because they are ridiculously annoying to work with for even regular construction, outside of city limits though, especially outside of allegheny county I assume you’d have an easier go at it. 

I hope you verified their license and insurance, added yourself as "additional insured" on their policy, checked zoning, and are prepared for additional wear-and-tear.I personally don't allow it anymore because it always turned out bad.

check out Puget Island  Cathlamet  River frontage  no hotels to compete with very few STR and only 90 miles to PDXprice points lower there is a cute A frame with 100 ft of river frontage and a dock into the columbia on the market now for 615k  3 bd 2 ba upgradedwill sleep 8 easy and will bring 300 plus a night.. with literally zero competition .  301 W sunnysands  check it out. 

We’ve checked for bankruptcy filings - none.

Since you're seeking a reliable income stream, consider checking out Cleveland.

Ray,thanks for the response, I sent you a request to connect.Vadim, thanks as well I'm going to check it out.