You can use RentSpree and the tenants pay $49 for the regular or $79 with criminal background check.

It is my understanding that the purchase price won't matter.

@Jay Hinrichs the big downside of this is that more and more banks are growing wise to this, and don’t want it done.

Is there time limits to convert, I understand that there may be depreciation recapture, but if I keep that as a primary residence say for 20 years or longer am I going to have problems with IRS. or at some point way down the road there will be depreciation recapture or does that go away after awhile.

Might be time to trade or sell this off for more cash flow even though it still appreciating rapidly.

Never have rent collections that drag more than a few weeks.

I find this vague.

Any tips on cash out refinance?

This past week I've invested some hours after my 9 to 5 (between putting the babies to bed and my own bedtime) into a tool that would help me understand the impact of refinancing, depreciating or selling my LTRs.

The main players in this space are Guidance Residential and UIF, but it turns out that they may just be purchasing a Freddie/Fannie loan on the back end to finance the deal and then structure it differently for the buyer - which isn't in accordance with their religious rules.