The rates are the same as capital gains but it is treated as "income from passive activity" and can therefore absorb rental losses.

All the best!

Any company insuring your properties without an inspection most likely has a clause buried deep in their policy allowing them to deny claims for conditions found on the property that do not meet their UW standards and they will deny you claim based on "the house should have not been insured with them anyway".Although the inspections can be annoying look at it from the other side.You pay them 1000 to 3000 a year to insure a rental property where they agree to pay out possibly hundreds of thousands of dollars if it burns down or up to 1 million if a tenant slips on a bananna peel and falls down the steps or the tenants dog bites someone and since you didn't enforce the tenant having their own renters policy to cover the dog bite the landlord's policy is paying out.The insurance company is very much like your rich uncle backing your business venture - you run the business, he takes on the financial risk from disasters, and doesn't even get a say in who lives in the property.Your rich uncle asking you to fix the steps, put up a handrail, etc which is in your and his best interest long term.Do you really want to rent out a property with a busted front step and a bad roof that is going to leak sooner than later?

They often don't do what I'd call "the best" inspections, if you know what I mean, but this is especially disconcerting because the home sits on a slab foundation.

I would assume an STR mixed with an MTR strategy is the best move for something like this.

What is your current interest rate on those various lines of credit?

For example, several years from now when rents are up and you refinance to a lower rate suddenly you will have cashflow you were not imagining when you made the purchase. 2.

- What lenders would work best for what I am trying to accomplish?

For analysis and etc excel would be best to use.

Word on the street is that Split systems (common in . . . . a LOT of places other than the US) operate at a lower energy consumption rate per heating unit and cooling unit.