Next, I would want to know how banks will treat this.

So interested to hear how the 1st year has treated you in Chattanooga.

Are you treating this like a business or hobby? 

Since my reserves were already at a comfortable level, I found making extra mortgage payments every few months didn’t affect the cash position, so I treated the whole process as if I had incurred a large repair bill that month which reduced the cash flow.With rentals, every now and again a month would come along where I had to cover several repairs and it might take one or two months before I saw positive cash flow again.

But much hinges on how your accountant has treated it over the years.

@Calvin Kwan I have no direct experience in this type of situation, but I personally would look in to a pressure treated or trex decking solution. 

@Michael Ndjondo makadiHouse hacking makes your tax situation more complex.You purchased a property that is treated as both an investment property and a personal residence.

Treat your rental properties like a 401k.

Treat it as a cost of doing business.

However certain markets will treat these 6 units based off of previous sales as a price per door type approach and ignore the income approach all together.