Even highly paid individuals such doctors/lawyers/etc eventually hit their DTI ceiling as they scale.I have clients that still can qualify for conventional financing with their W2 but go the DSCR route to protect their DTI for financing items in their personal lives such as true second vacation homes, cars, boats, primary home, etc. and also to avoid the underwriting hassle that comes with the stringent process of conventional financing.

Your investment is easy to measure - the total you spend on materials.

While I agree that the definition of "wealth" is subjective, financial wealth and the way it's used on a RE forum such as this is NOT subjective.. even go read the OP's post, she uses terms like "25k" "10k/mo. etc. these are objective measures.3.

Accessory dwelling units (ADUs) have become a source of income to help families remain in their homes while providing affordable housing to elderly, single-person households, and students.The following requirements must be met for an ADU: Owner OccupancyOwner must reside at the main house or in the ADUProperties where owner does not live on site must be rezoned to allow more than one dwelling unitPermitted Zoning DistrictsR-1, R-2, R-3, R-4, R-5, R-6, RM-4, RM-5, RM-6 and in multi-family districts up to a total of five (5) unitsSizeUp to 800 square feet or 50% of the size of main house (whichever is larger)Cannot exceed 1,600 square feetAll properties, regardless of main home size, can have an ADU of at least 800 square feetApplies to attached and detached ADUsBedroomsNo limit on number of bedroomsUtilitiesCan have separate utilities (meters) or can share meter with main houseHeightDetached ADUs = 2 stories and 25 feet in heightAttached ADUs = must comply with height limit restrictions for the underlying zoning districtSetbacksDetached ADUs = may be located 3 feet from side and rear property linesCannot have an eave overhangMust be fire ratedTo avoid above measures, setbacks from side and rear property lines must be 5 feetParkingOnly ADUs over 800 square feet require a dedicated off-street parking spaceHappy to Help :). and remember unlike many counties or cities San Antonio has an amazing city staff, they are very friendly and you can always do a walk in to ask questions.

Cash on cash return is a measurement of the net cash return you receive on the capital that you yourself have invested in the deal.

EDIT: As an additional measure, I would also recommend that the property owner or manager ensures that the tenant is instructed on how to properly secure the pool when not in use, and have them sign some sort of documentation stating that this instruction was provided, and that they understand the pool must be secured at all times when not in use.

The lender must adhere to Fannie Freddie minimums but may make more stringent requirements such as requiring more reserves, larger down pmnt etc. through the overlay.

Besides flashlight, measuring tape, telescoping ladder,outlet tester, and electronic thermometer\ moisture detector what else should I pack.

It's very important and often not given the credit it's due until you are in a situation like you describe.It's cause you can't measure risk really in real estate.

Lenders will look at that in relationship to your overall debt to measure your borrowing capacity, and realistically, you won’t be in a good position.