We want her employer to withhold as little as possible from her paycheck from as early as possible in 2026 without penalties, so that we can accelerate our investing timeline.

Sharing a recent scenario that I think other investors might find useful — especially anyone who’s self-employed or juggling multiple income streams.A homeowner needed to pull cash from their primary residence to renovate their second home, but traditional full-documentation guidelines were pushing the DTI too high to qualify.

Verifying last 2-years of rental history and income/employment extremely important to find the “best of the worst”.Tenant Default: 20-30% probability of eviction or early lease termination.Section 8: Class D rents meet program requirements, often challenges to pass Section 8 inspection.Vacancies: 20%+, depending on market conditions and tenant screening.Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciation.Where did we get our FICO credit score information from?

They moved to the area for a job and are going to digital nomad for some time, but of course you can't tell your employer that.

They are no longer a low cost producer.  

Verifying last 2-years of rental history and income/employment extremely important to find the “best of the worst”.Tenant Default: 20-30% probability of eviction or early lease termination.Section 8: Class D rents meet program requirements, often challenges to pass Section 8 inspection.Vacancies: 20%+, depending on market conditions and tenant screening.Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciation.Where did we get our FICO credit score information from?

I have a great credit score, am employed, etc.  

Mortgages ended the day down 4/32nds.With key releases like CPI, retail sales, and employment reports still on hold, traders are leaning heavily on assumptions rather than hard data.

It becomes a de facto taking.There’s also an important human and economic dimension: The owner actually uses the land to operate a truck fleet, which is how they work and employ others. 

Or DSCR is great if you have a complex income situation or self employment.