A conventional loan proving you income along with the subject property income.

Nevada is a landlord friendly state, 4th lowest property taxes, no state income tax, limited housing supply with tech and manufacturing jobs moving to the area from CA.

My goal is to build a passive income portfolio, build equity and appreciation in properties, build a strong management system, and continue investing for financial freedom.

Additionally, the flexibility of renting allows residents to adapt to changing life circumstances without being tied down by a mortgage.From an investor perspective, BTR projects present an attractive opportunity to capitalize on the growing demand for rental housing in high-growth markets.

I’m additionally, wondering if that’s gonna affect my credit.

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.

Year 3 we get $1000/month x 12 Months $12,000 + Depreciation (~3333) and we make a whopping $15,333/yearYou Buy a new house 30k down make $15,000 and Pay down an additional 19,000 on the mortgageYou've spent: 30k 2x (60k), and payed all your rent to the bank ~15k x 3 (45k) and put in an additional 19k each year to lower the mortgage 19x3 $58kOn the other hand:Let's keep that mortgage on the first houseYou've effectively made $15,000Year 2, let keep the mortgage (our interest is still significant and our assets have grown much)You've effectively made $15,000!

As cash is low to even invest in another property in Canada - would courses be a viable option to learn Air BNB arbitrage or STR to potentially earn side income  ? 

We are 30 years old and just getting started on our adventure of building substantial side income over the next 10 years.

That's income + add-backs.One other note.