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.

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?

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

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

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

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

Here is where the strategy comes in:When you move 401k stocks to a brokerage account via an NUA transaction, you pay income tax on the cost basis (And maybe a 10% penalty) but NOT on the gains until you sell. 

Do a 1 year lease and let them know you are willing to keep them long term if things continue as they have been.I did a 2 year lease with one set of tenants and it includes annual rent increases.

Then, weigh the options: sticking with the current rent ensures ongoing income but might risk tenant dissatisfaction, while offering a reduction can incentivize renewal and save on vacancy costs.