My designer tends to use Wayfair, and commercial application wherever possibly i.e. frame/headboard, couches (anything sat or laid on).

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Quote from @Henry Lazerow: I see people talking about good credit tenants and screening but real life from owning c/d rentals those applicants don’t exist.

Keep us posted on your progress.

Kiavi has great technology and a streamlined application in-take process, It takes a lot of work out of the broker and borrower's hands. 

Over the last two years I have progressively invested more and more time learning, watching markets, modeling out deals & back testing previously sold properties vs rental listings, etc.

The loan application and underwriting goes on behind the scenes but isn't on the critical path to getting you to closing until the final days. 

If a tenant doesn't meet the prescreening requirements, can't complete the online application, or red flags are found we quickly move onto the next applicate.Reserves - Every investor needs a healthy amount of reserves (or LOC) to cover vacancy.

I would also renovate the current 2 duplexes and increase rents (personally I would MTR or STR if applicable).This shouldn't stop you from acquiring more assets with your current income!

You can file an amended return for that year if you haven't yet filed the following year's return.Otherwise, you'll need to file Form 3115 (Application for Change in Accounting Method) to adjust your depreciation going forward and capture the "catch-up" depreciation you missed.The flexibility in timing allows you to complete renovations, gather documentation, and work around your schedule without rushing to meet a year-end deadline.