Currently I have a 3/1 attached to a 1/1 and I include the utilities in the rent.

I feel like you'll have the best experience utilizing a DSCR loan (debt service coverage ratio) that is no income and no doc based off just the rent schedule of the property .

Only debt I have is cc (5k), car loan(abt 4k left).

I was not aware that it will solely be based on the work done rather than also including market comps.

You want tenants who care about their financial lives so much that they ensure they have a high score because they'll make sure that all of their bills get paid on time and in full, including the rent.Feel free to reach out anytime if I can elaborate or further clarify anything!

Earthquakes are a risk everyone reluctantly accepts, including 88% of all CA homeowners who also don’t insure for it.

Including land and build cost?

The decision between using an FHA/low down payment loan product and putting down a larger down payment depends on several factors, including your financial situation, investment goals, and risk tolerance.Here are some considerations to help you make an informed decision:Size of Down Payment: A higher down payment might lower your monthly mortgage payment and perhaps free up cash flow.

@Ell Jay LindseyWe run a debt fund buying loans and others are doing private lending.

Quote from handy Man/Contractor around $25,000 not including windows.