With that said, we know nothing about the actual DSCR, location, or property type... all of which can effect the rate.Cheers!

I have experienced that a duplex or triplex gives you more effective tenant management and long term value, but room by room rentals may reduce a small multifamily property's cash flow especially if your market has high demand for rentals from students or young professionals.

And what effect did we experience from deportations during Obama era?

As long as you stay organized and keep up with each state’s requirements, it can be a very effective strategy.

If your asset protection plan is comprised of purchasing umbrella coverage there are significant gaps in risk mitigation procedures and if umbrella coverage is ever triggered expect premiums to skyrocket, likely pushing you into surplus lines of coverage &  your time drained by litigation related tasks paralyzing your ability to effectively operate and grow your business. 

Even a simple checklist app with due dates for each property can be effective if you commit to checking it daily.

BJ and Traci navigated each challenge effectively, adjusting as needed to keep the project on track.

In effect you have taught the tenants to be poor tenants by rewarding them for being a bad tenant.  

If we do the cash-out refi, our new mortgage payment would be around $5,600, which technically bumps DTI to roughly 56%, but the lender has already underwritten and approved that number.Once the ADU is finished and rented (conservative rent estimate $2,700/mo, lenders usually count 75% of that), our effective DTI drops back into the mid-40% range.

.$800 for a Padsplit-style room is solid, but remember you’re effectively running a rooming-house model upstairs — more turnovers, more wear-and-tear, more management.