Talk to a qualified tax professional before doing anything of course.  

I have excellent credit and no debt.

You can setup some different requirements for tenants coming to rent from you (i.e. 700 credit score).

So when we pull credit, we don't know that they didn't pay rent.

from what i see you have to spend a certain amount of time per year in the bizz and i mean really in the bizz.. this is probably an audit trigger as well.. so if you get audited you need very detailed supporting documentation.the Advantages of course are for the many write offs that being in the business affords us.acquiring a RE license and actively work in the industry usually is the easiest and safest way to claim these write offs.

I studied business administration at American University and took a lot of courses related to finance/investing.

Improved energy efficiency with new windows and mini split heat pump and took advantage of the tax credits for creating energy efficient rentals.

In case helpful, more details on DSCR loans: DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

As you grow your site by use of this content, also including keywords relative to your location and niche (which carrot allows you to choose a bunch to rank for) the more you do this then the more visible your site will be on Google, and of course the more leads you will receive.

I think the risk of you having a prohibited transaction (extension of credit and not using a nonrecourse loan) is the real issue and not necessarily UBIT.