Effectively you're paying debt service on the HELOAN plus car payments, so that's probably $500-800/month depending on terms.New home scenario: $1900/month all-in (mortgage + HOA), but debt-free from the sale proceeds.

Once you’re juggling multiple workbooks + folders + aggregator sheets, it works… until it doesn’t, especially when tax time hits and you need clean exports.Out of curiosity, what’s the biggest friction point for you today — keeping everything tied to the right property, pulling year-end totals, or just the time it takes to maintain the system?

I would maintain separate bank accounts and will not mix personal/business activities to ensure that the entities operate solely as a business.

Duplex sold in 2025 for mid $500’s3 bed/ 1 bath units; approx 2000 sqft Well maintained/good shape Price per unit is approx $270k/unit and $260/sqft  Higher than what we’ve evaluated out of Exeter, but this is also 3 bedrooms each unit.  

A competent book keeping system needs to be established and maintained.

This is one of the most effective wealth builders! 

A testament that numbers, and the effective use of cash flow analysis data, must be used to support optimal performances.

This makes it difficult to know which specific year will be the one evaluated against a 1.25 DSCR requirement.To account for this, I’ve been treating a smoothed 1.15 DSCR as effectively equivalent to a 1.25 DSCR in years without major CapEx events, since the actual cash flow in those years would be materially higher.Is this a reasonable way to think about DSCR risk and lender underwriting, or is this logic off-base?

Staying flexible and maintaining clear communication helped keep the work on track.

It's not effective as you think!