@Colleen Weldin I recommend @Donald E Appleberry for San Diego, and @Dan Mackin for Denver!

E.

My e commerce store uses a lot of my personal credit as a guarantee which then hurts my bank fundability with high utilization monthly.

As @Jason E.

As of right now I am 18 years old and I have been building e-commerce and dropshipping stores online for the past two years, Also I build and grow theme pages on social media as well. working at my job, being a CSA at Wawa, INC for the past two years. 

Code 65852.2(e)(1)(D) - "Not more than two accessory dwelling units that are located on a lot that has an existing multifamily dwelling, but are detached from that multifamily dwelling and are subject to a height limit of 16 feet and four-foot rear yard and side setbacks."

I think the answer is obvious that you should factor it in, but would love to hear from the BP Community.The more I learn about R/E investing the adage "you make money on the purchase" seems to be more and more true.

Call Amy Bonis (google her - I'm not allowed to give e-mail or link). 

Otherwise it will get messy eventually.From a conversation with a banker, my impression is that their bank will either look at 75% of gross rent (when you don't have a 1 or 2 year rental history), or 100% of what you reported on schedule E (which is rent deducted all repairs and things).

I e-mailed their legal department.