Yes its a VA , yes i will be staying in one side for a bit and leaving the wife and kids in our current home . ill spend over 51% time there for the year and then rent it out. the numbers will be when its fully rented out after i leave. the down payment is so low because i pay 20% of anything over 325K using remaining entitlement on a second home loan via VA I don't care about using the dining room myself i just assume other people do so it'll turn them off?

My strong advice is to stay off the web when looking for a lender, Nicole.

However, if you are focused on buying properties in SoCal, I'd be skeptical.I'm location agnostic. 

There is no limit on how many years you can carry forward these losses, but it's important to note that tax laws can change, and it's advisable to consult with a tax professional or accountant for the most current information and advice tailored to your specific situation.Please be aware that tax laws are subject to change, and it's essential to stay updated on any legislative developments that may affect your tax situation.

Same question as Michael-rent by the room for $1900 or to a family for $2800 (minus PM fees, so just under $2600)-you said it was because you'd stay in one room in the first case. 

Investors: Leverage on DSCR loans will continue to suffer with higher rates - prices have not come in enough to generate competitive LTV%, but be ready for buying opportunities.Landlords: Keep rents competitive and focus on tenant retention.Everyone: Buckle up for a bumpy ride in the first half, but stay optimistic for the future.

My advice on situations like this if you are a small fish stay in your own back yard plenty of good deals .That way you can keep track of all the stuff that needs your attention fill in the blank ___.BIG fish well the whole  USA can be played they have the team in place to do a long distance rent ,rehab etc...

In this competitive market, it's crucial to stay ahead of the curve and seek out strategies that not only maximize returns but also minimize risks.

They somehow convinced my tenant it would be livable during this and my insurance agent has said they can pay me half a month rent if he stays (which I will pass the savings along to him) and if he decides it’s not live able they will give me a full months rent so he doesn’t have to pay.

Once I found Tax Deeds and I got title immediately, I made buying tax lien certificates secondary.Now I still work both, but focus now on getting land at the Tax Deed auctions and placing tiny homes on them.