Now though, it’s a real issue because it’s affecting my rental income.

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.

Reason I ask is most do not realize the interest income is taxed at ordinary income rates, so if you are in a higher tax bracket, that 8% you are getting ends up being in the mid 5's, which is basically the equivalent of a CD right now but just a lot more added risk.

How much more rental income and what's pricing looking like for the driveway?   

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.

If so, they will automatically submit this for you to the proper agencies.I assume you're not talking about income tax or other taxes?

You get the best of both worlds, and you can reduce your cost of living and sometimes live for free, even with a 7% interest rate.Personally, I don't recommend starting with properties with HOAs since HOAs can restrict your ability to house hack it with different strategies, and they can even restrict your lease from being under one year.Hope this helps!

I think a full time income as you learn the business will allow you to sidestep some of those pitfalls. 

Both meet the income requirement of 3x rent on their own and have excellent credit repayment histories.

They are all on the same sports team and have no "proof of income."