You CAN use rental income from an investment property being purchased to reduce your debt to income ratio..if the property already has a tenant you can use the existing lease.

I would want a CPA who would help me reduce the amount of taxes I pay and has knowledge on investment real estate.

Bergen is definitely very hot.The bottom line is you need to reduce the price if you've been sitting for 4 months.

It's a business and they'll lend to you because... well they earn the interest and recover their initial investment.

Hence, I pay taxes in the U.S. claiming the Foreign Earned Income Exemption (Form 2555)I have a client in the U.S. that pays me for my services (provided from Chile) to its business in NY (mostly compliance services -and some general legal orientation since I am an admitted attorney in NY).

Its comical at this point.  100% of nothing is nothing, and that's what you'll earn if you don't learn.I encourage you to interview several of the top brokerages in your area to get a better understanding of what they'll bring to the table as the tri-state area begins to get back to normal. 

To reduce capital gains?

In doing so, they have reduced their mortgage each month, reduced the down payment, save on total interest paid, and several other payments also.

I recently did this for a new $11k HVAC system and earned 110k travel points which is enough for 2 roundtrip airline tickets to most international destinations or 4+ roundtrip domestic flights. 

@Paul O'ConnorGet other flood insurance quotes.Borrow less until the payments are reduced enough to get back to positive cash-flow or buy a lower interest rate or combination of both.Raise the rents.A different lender won't get you out of flood insurance.