I love the culture in the West and have narrowed down where I am going to live to either Denver or Los Angeles for a variety of reasons.

The impact of UDFI in an IRA is typically nominal, so while a 401(k) is better through avoiding that tax, it is not generally a huge differential that would encourage one only eligible for an IRA to run away from a leveraged transaction.When you read on the internet that a Solo 401(k) is exempt from UBIT, that is a broad statement that mis-characterizes the real difference.  

ROI will be through the roof.All three can be implemented today and will have an impact on your business.

That obviously can make a huge impact on the ability of a unit to be rented.  

How big a problem would it be if they did so, in terms of financial impact / wasted time / etc.?

Low impact tenants are lawyers, CPA, financial professionals, etc.

It has been over a week that I submitted my conditional documents and it is still not fully approved.The lender that my LO signed me up with not only has an underwriter review but also a Quality Control review and a final investor review (So, they can sell my mortgage in the secondary market immediately)So, how likely am I to go through all of these levels of scrutiny in just 2 weeks if I don't even have the full underwriter approval yet.I am so worried that it is starting to impact my health now.

Only way CapEx would impact DSCR is if capex costs are included in the loan (hence the debt service is greater).

I probably could have gone back and requested another appraisal, but it wasn’t a huge impact, so I looked at it as a positive of having a lower loan and more cash flow!

What tips can you suggest for finding the gems in an impacted,Sellers market like LA?