Of all the nonsense I have heard about real estate investing, using the notion of "protecting assets" as a reason for leverage is one of the dumbest. 

No actual profit last year.

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.

There's no right or wrong answer, and as you'll see on these forums, everyone has a different opinion, and for different reasons. 

I am searching into the Plant City, FL area and actually going down to see a place this week.

LOL -  I actually like tax season now. :)  This year was a $45k return! 

One reason I did not initially raise the rent higher is because I switched the heating system to a new tenant paid system and the extra cost made up for the difference in rent.

Also, after reading RPI by Brandon Turner, I'm aware of multiple strategies, but since I've never actually invested or bought a property yet, I feel like I'm overwhelemd by all the options, and find it hard to get started. 

Actually converting the line of credit to cash on hand.

I am wondering if my Pro Membership has lapsed and for that reason is not letting me upload a picture.