Hey Jacqueline,Welcome to BP.If you're going for a DSCR loan for a residential investment property, you don't need an LLC; you can do it with most (if not all these days) DSCR lenders/brokers depending on your state.All DSCR lenders/brokers will require you to personally guarantee the loan, but you can do it either way, with or without an LLC.Stephanie

Of course it depends on the block, what neighborhood, etc.

that COULD BE looked at as your COCR in moving around this equity. but to answer your actual question, it depends on your long term goals. if you want a million units you'd be better off in multifamily. if you want a small but mighty portfolio that you're always optimizing, maybe have some STR some MTR in there, self-manage, keep it simple... you could stick with SFH and probably have an easier time managing.

Then depending on how much your gas bill is how long would it take you to recover $1200?

Downspout depend on the section, the lower ends are very easy to replace, if it's higher up then it's a bit more involved but still not hard. 

But really depends on your goals here.

Less debt, more cash and a better credit score have a very high success rate.

Finish the basement into a legal apartment and then maybe rent the 2 car garage as storage/secure car parking.People in the city are always looking for secure places to park their cars depending on where the place is.

Settling on a tenant with a negative credit score, positive eviction history and zero bank blance just because you are scared to have a unit sit empty for a few days is a mistake (that I've made). 

I foresee us being stopped dead in our tracks due to mutual insufficient credit scores in the near-future and the inability to perform a cash out.Any input would be much appreciated.