While they don't look at your DTI, they will, at least initially while building a relationship with the lender, check your credit score which will affect your rate.Line of Credit - Most banks will want to see you in business for 12-18 months before issuing you a Business LOC.

If money wasn’t an issue, we would buy rentals closer to home or back home in Florida which is where we ultimately want to settle down in.

With that said, given how harsh the anti-landlord laws in the city seem to be, having a higher volume of tenants seems scary with only one unit.

I used the search feature but wasn't successful in solving my problem.My sister-in-law has been living in one of our houses for 2023.

The other thing that could be an issue is if the claim is still open.  

Hey Tom, Foreclosure will not be an issue if it is 4 years from discharge date on a conventional loan. 

Between rates being higher and terms being shorter Helocs can also have issues when it comes to DTI and not having reserves. 

There's way less risk and variance in LTRs simply due to regulations & laws which nobody has a true view on. 

In case you think that has slowed, the quarterly increase was $130 which is not quite as fast, but still way too fast.The issue is there are many reasons rents are increasing and raising rates does not help lower the rent increases. 

This is a property purchased via 1031 exchange, rented briefly, and depreciation has been taken for 3 years.Long term, it may be rented again or purchase something else via 1031.What would be the tax issues with restarting it as a rental in a few years?