I’ve read some other posts on the topic, but wanted to start a separate one with a few specific questions.Background:- My partner and I own 2 properties with conventional financing, we have a Tenant in Common agreement between us- Financing was only set-up under my partner’s name by mistake- We are both US citizens; however I live abroad (receive a foreign salary) and file US taxes- Good credit scores- Both properties cash flow with PITIA ratios of ~ 1.2We'd like to re-finance so that we are both on the financing and it seems that a DSCR loan would be a good option given that I live outside of the US.Questions:- Could we close a DSCR loan virtually or would we both need to be physically present for closing?

But then how would you know unless you live there physically?

I've been reading and listening to BP and I'm itching to physically get out there.

You should go to the inspection physically, but your property manager should handle most of the on site stuff. 8-12% for PM.

We are located in TexasWe rented out our property through Zillow and tenants chose to sign the lease a month ago for the start date of July 1, 2025 and by choice without physically touring the property/town. 

A sub 3% rate on a 30 year fixed mortgage is a beautiful thing as much as lenders will try to convince you to refinance you should keep it as long as you can since its so low (often times that rate is below the rate at which money is losing value or inflation so you're gaining value/net value by just keeping that mortgage, you could even call that liability an asset since its value is increasing in that way of thinking).There are HELOC's and lines of credit out there that go up to 90-95% of the value of your home atleast while you're physically occupying the unit.

I felt physically sick and had to go tell my wife..

Look for income streams that don’t require you to be physically present for every dollar earned.

Am I only taxed on income physically received or am I liable for a $150k short term capital gain if I sell these lots within 1 year?

I could make an argument that if you give exceptions that IS discriminatory because you aren't giving exceptions to others.The disability one is interesting if it is physical and obvious and they are not working.