@Devin Dang any ideas?

I agree with the items @David Liu mentioned but add insurance, vacancy, property management (even if self managing because it is work), misc (mostly items divided across all units (bookkeeper, LLC, umbrella coverage, tax man, office expenses, etc) as well as one off items such as utilities due to slab leak.  

I would check with a credit specialist as well as your loan officer.

Going forward, the best thing you can do would be to reach out to a lender who understands how to work with investors so that they accurately account for your rental and get an idea for your budget/price range.

Please share any ideas or leads .Thank you#Taxliens #loans #Taxdeeds  

Hi Rob,Insurance companies provide quotes of free, so it's a good idea to get multiple and compare.

County Clerk's office shows only one other lien for a code violation and the taxes are past due again. 

The landlord said that its not zoned for business and that would raise flags with the IRS and i could potentially get audited. keep in mind that i have a consulting business. is there some truth to this because i do have a home office at the house as well. the rent is 1600 per month. that 1600 per month and utilities wouldn't be a tax write off to my LLC?

Previously, the idea was to use the mini-splits for A/C and some heat in the fall. 

To me in the end, I am looking for the loan officer that provides the best service.