To make a long story short, I am using my rental income to purchase a new home that we will be living in and was prequalified with no issues (mortgage company hired third party firm to look at my rental income and returns to qualify my income, I gave them every document on earth, leases, taxes, insurance, mortgages, etc...) and then underwriting says no due to the fact that the last 2 years of tax returns (2017, 2018) I reinvested all my money into my rentals and they are deducting all that out of my income, ie. depreciation, capital improvements, supplies, repairs, utilities, maintenance etc... 

@Kamal Khetrapal   opportunitydb.com has many OZ related topics and Ashley talks regularly on the podcast.

It could be something simple like a leaking supply line or a leak from a rocking toilet.

If you are looking at vacation rental properties, it's a supply issue.

That was because there were some many of them and the supply drove down prices.

Or wholesalers that regularly obtain good deals.I am looking for fix and flips and possible brrrr properties.

For cleaning, clean-outs, and turnovers, our rate is $28.00/hr plus supplies.

There’s just a lot of supply in Worcester for cheaper currently.

Then you could have this learn what items are then supplies or maint ect..

Retail centers typically have higher rents you have to pay versus regular office because you are usually paying  for street frontage and higher traffic levels with better sight lines from the road.If you are buying a building you might look into an SBA loan if you will be occupying 50% of the space or greater.As far as owning you need to evaluate the space where you are currently at.