Tom,Totally get how you're feeling – jumping into your first investment is daunting, especially in a place with price tags like North NJ!

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

Although we didn’t have a move in move out list at the start of the lease, we have all the communication from the beginning to prove that they reported every issue and we took care of it.

Older buildings can be an issue, we had to put some spray foam around the heat pipe entries. 

I will check with my city officials on this issue as they've likely had experience with VRBO and ABB

I am looking for a 80% DSCR LTV loan for this deal.Here is some quick stats of the deal: Purchase Date August 11th, 2023 Purchase Price: 80KRenovation Cost: 60KAll - In : 140KEstimated ARV: 180k Estimated Rental Rate: $1,400 - $1,600Current Loan Balance: $111,000My Stats:- 720 + credit scoreHere is a link to the property for more information. https://www.zillow.com/homedetails/2730-Antler-Dr-W-Augusta-...Does anyone know any lenders or small banks in the area that will lend up to that LTV for a cash-out refi? 

I think the problem might be that you asked the title agent that issued the policy and not somebody at the underwriter. 

—————-Thanks Michael,I was actually thinking about the same issue with the capital gain.

The issue with someone porting into your area from someplace else is that they almost never have income when they move. 

One bug report and one request:1) LinkedIn account link feature asks for the full web address, and then puts it in the URL twice, which returns an error.2) Can we add "Asset Management" to the list of Software > Specializations?