It's based on the net sale price minus your adjusted basis which is the purchase price minus depreciation and plus capital improvements. 

In 2019 I believe for a single person max income limit was 139K..With my job and all the investments I am afraid what if I am making more than 139K in MAGI (Modified Adjusted Gross Income)?

After this, you subtract out certain adjustments to your total income (many people won't have adjustments here).

The letter is good, but I would adjust a couple of things.

However the tools I have require me to adjust the inputs repeated to get to a MOA that works.

Insurance is not the only way we lenders find out and call the note due but, for those loans that are fixed rate (Do not adjust), that are not escrowed for taxes or insurance, that come out of the original borrower's account automatically monthly, where there never needs to be any communication between borrower and the lender, i suppose a "subject to" deal can work without getting the note called.Both parties in a subject to can get screwed.

But is a 20 year adjustable and drawable product, with a further 10 year payback period.AFCU does 80% LTV on NOO.

Pros: lower base interest rates, lower adjusted monthly payments, lower loan costs, HELOC applications costs are minor, not paying interest until the money is used for that next investment.2) Cash out refi on all 3 properties - Cons: higher base % rates, higher loan costs, similar monthly payments, Pros: fistfuls of cash to parlay into the next deal3) 1st Lien HELOC - buy out the current loans balances with a HELOC with 1st lien - Pros: Even lower loan costs ($10-$15k less!)

By taking time to really lock down numbers you will give yourself maximum opportunity to make adjustments to your original plan. 

Do you know how much they adjust up/down for SF & Nicer Bathrooms/Kitchens?