LOCKS: If you find it necessary to have us unlock the Rental Unit you will be charged a fee of $75.00, payable as Additional Rent, within 7 days from the lockout service.

Nicholas,its great that you are looking to get started, I would suggest building your credit history more as it will unlock more financing opportunities as that would be the main challenge when it comes to DSCR loans; granted everything else looks good. if you have any questions, reach out. 

I'm thinking about using an SDIRA to invest in real estate and other alternative assets, but I’m torn—can an SDIRA really unlock the kind of growth I’m looking for, or is it a risky move with too many complications?

.- Credit Score Boost: Big jumps in score can unlock lower rates (Example: Going from 680 → 740 can cut interest significantly)- Change in Term Needs: Switching from a 30-year to 15-year (or vice versa).Rate Optimization- Compare Aggressively: Use marketplaces like Credible, LendingTree, or Bankrate to shop.- Negotiate with leverage: Get multiple quotes in writing and play lenders off each other.

Therefore rental properties, with or without a real estate professional status, do not unlock this option.Yes, you can in theory proactively (not retroactively) manufacture earned income by creating your own management company.

And when the syndication eventually sells the asset, any remaining passive losses from that activity are fully unlocked and can offset all types of income—capital gains, W-2, etc. 

That means higher margins and less competition.Why It Matters for Agents and InvestorsFor agents, ADUs present a chance to stand out by helping clients unlock new value in their properties, whether they're buying, selling, or exploring multi-generational living.

There’s a ton of value in the community alone, but going PRO unlocks even more tools that can seriously level up your game—especially the calculators and exclusive content.What kind of real estate are you focusing on right now? 

Let’s break this down a bit and look at it strategically.Your Situation Recap:Residential Property (likely a rental): Already generating income.Commercial Property: Subleased, stable tenant, under your control but not in your name yet—will be in two years.Your Own Home: Has a mortgage you're considering paying off.Idea: Refinance the commercial once it’s in your name, cash out, pay off your home + rental house, and then invest in a new duplex (which is awesome because new builds = less CapEx headaches).Here’s What I Think (Strategically & Practically):Pros of Your Plan:Refinancing the commercial building could unlock a serious chunk of capital, especially if its value holds or appreciates by the time it’s in your name.

These losses will be allowed if correctly reported, and each professional tax software has its own way of unlocking these losses.