A structured installment sale is a highly beneficial tool when looking to exit an property (investment or otherwise) because it'll lower your taxable income and is customizable.

Even if you ask everybody to take one bill each, so as to keep things as balanced as possible, would you ask one to take over the Garbage coming out of their bank account, and another one to take the Electricity?

It is money I can take out early and avoid the penalty because of a divorce but it has to go to a personal bank account and it has to come to me in a lump sum.

Can you make a lump sum payment to the bank for the escrow shortage and then have the payment adjusted to account for the higher taxes, but not covering the additional escrow?

They will set up their own account and upon move-out do a factory reset for the next tenant!  

The next house will bring in passive income (rents) and that plus the equity it builds can wipe out debts fast!

To provide clarity about my situation, I am currently job transitioning and would greatly appreciate insight on building a portfolio with income limitations.

Here are some of the highlights: quickly set up bank accounts for each property and sub-accounts under those for things like security deposits and CapEx; virtual credit cards tied to each property; quick transfer of funds; ability to send money back and forth to tenants (some platforms are for collection only but won't let you send your refundable deposits back to your tenants); easily categorize every transaction into IRS Schedule E categories for reporting taxes; ability to split transactions; tenant management from vetting to drafting lease agreements to collecting rent.

A DSCR loan, or Debt Service Coverage Ratio loan, is underwritten to the property income instead of your personal income/taxes/debts.

Most lenders will want to see at least 2 years of steady income, and income from part-time work or your own business can help to strengthen your financial background.