Sometimes that will make a difference and sometimes not.Hope all of that makes sense but feel free to ask anything additional. 

I have no debt, excellent credit but I have no savings.I heard there are ways to buy properties with little to no down payment. 

There seem to be no solution to our country's debt addiction.

I've also got some additional inventory I can get access to if you need something other than these. 

Keep in mind banks typically price construction debt at WSJ Prime +1% which means you are looking at 9.5% interest even on bank originated debt.

If you follow the Planning department's guidelines you should be ok.Here's a great reference from the Chicago Bungalow Association https://www.chicagobungalow.org/addition-ahttps://www.chicagobungalow.org/design-guidelinesGood luck with your project.

However, I usually keep depreciation off the balance sheet until I can see the tax return and I go back and add it for the previous year.

Owner occupied.I’m active duty Air Force so I used my VA loan to purchase additional properties as I moved.

Can you please share some additional details?

Not only do we have to pay a lower price for a property, just to meet the Debt Service Coverage Ratio our banks require, but also we need to be more competitive in the annual returns that we offer our investment partners.