My experience have been that if you are buying a residential property that you are going to live in, there is really no push back for 7 days.

Currently dealing with a bank for a new mortgage (trying to roll over $11,000 losses from repairs, ect)The property cash flows at $400/mo, but I rolled over all my losses, taxes says 0 gain, 0 loss, but I rolled over all the extra 'losses' until next year.Mortgage is trying to tell me that I am losing $800/mo on the property and being a pain in the *** for approving my new loan.I know the freddy and fannie verbiage says something like after one year only the net gain and net loss can be calculated.

The underwriters couldn't keep up, so supply/demand... the rate goes up.Like all things investment, you can try to time the market - and roll the dice. 

I'm still learning as much as possible but I'm in school full time so it's been a slow(er) roll with a lot of my time going towards studying.A quick rundown of my wife and I's situation and then on to my question.

I am looking to fill 2 vacancies in May and I’m going to push for section 8 .

Once you get comfortable with that, you can move on to the next one which might be a little different, but much easier now that the ball is rolling. 

Our game plan is to continue business as usual, but to tighten down our spending and aggressive growth push.

Then the individual properties roll up under "Net rental real estate income (loss)".Hopefully some additional users will reply as to how they deduct the shared expenses.

Can someone help shed some light on if this is accurate or if i was just pushed to commercial loan, also am i making a big of deal not wanting to go with a commercial vs consumer loan.

I’m completely new to everything real estate but a very tight financial spot and my first baby have pushed me and my wife in this direction.