Banks are paranoid about debt to income ratios, and I can't find an insurer for a rental.

I feel like there are a lot of tweaks that I need to make to reduce my tax burden.I starting RE investing back in 2018.  

So if I contributed some money to my dad when he bought an investment property - I made the PSA deposit during the transaction. Verbal agreement is I’m part owner of the property, but we’re flexible on semantics as lo...

Paying down the current mortgage wouldn't change your monthly payment, it would only reduce the amount of payments due.

Maybe someone can help me understand There is only 1 Saturday in a week and if more than 1 go vacant at the same time, it could spell problems.Plus, If you want to scale to 30units or 50+ units doing it yourself could also spell problems without the right systems and processes in place.Nobody will look after the property as much as you will yourself, but scaling your portfolio and not having just another full time job in real estate (Investing should be for passive income and not another full time job, right?)

Employment drivers of areaCrime of areaMedian household incomeCurrent rent to income ratios, and if value-add deal stabilized rent to income ratiosAnticipated hold periodLength of LoanI/O or AmortizingCapex items and "what happens if you have to hold longer than anticipated?  

Maybe just keep doing what I'm doing until rates favorable and I have desire to reduce my w-2 hours.

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.

. - No state income tax. 3.

Real estate investing is normally done by the "white collar" professional because they have the incomes.