Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with zero or negative relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, recent evictions.

I am a new STR investor and am looking to get cost segregation studies on the 2 STRs I purchased in 2022, with the hope of using them for bonus depreciation against my W-2 income.

However, it demands strategic and cautious handling.The advantage lies in accessing capital without selling existing investments, but the risk involves putting your primary residence on the line if you can't meet the loan obligations.A HELOC should not be your primary choice, as it carries more risk than a traditional mortgage with higher interest rates.Considering your stable income and disciplined approach to investing, focus on saving for the down payment.

@Alex NgMost likely, income verification will be based on your tax return documents. 

Before my personal and 'rental' income/expenses were very co-mingled.  

All of my rental properties will be going into the business on the property management side which will provide the company immediate income.

I can get a VA loan but again my debt to income with being on this house with my girlfriend and new car is making it hard for banks.

However, if you're investing in low income neighborhoods they are by far the best tenants you can get because most all of them are by and large animals, but these animals stay longer and come with guaranteed rent.

For sure can do a DSCR loan in the llc no income and no doc . some lenders even go down to 50k for minimum loan amount 

I have a healthy income and have built a solid financial base for my age.