Most of the crowd is looking for positive CF assets, which should not increase DTI, unless you have less than 2 yrs REI experience and cannot count rental income towards income. 

I have 40 yrs experience in Investing. 

Quote from @Evan Polaski: Coming late to the party, well, because BiggerPockets has not held the same value it used to 5+ yrs ago.To your point, @Remington Lyman, yes it has been a noticeable decline in content, interesting threads, etc. 

Unfortunately after 25 yrs I moved my auto from them as State Farm and Progressive are 40% less. 

If I sell my primary I know there will be capital gains after 30 yrs of ownership.

Avg Appreciation over last 10 yrs in my area: ~8% annually Equity paydown over next 5 yrs based on amortization schedule: ~27kBought home for 400k, appraised at 485k.FHA loan, 30 yr, 5.875% int rate, MIP is $175/mo.Strategy: Date the rate for 4-6 yrs, pray int rates drop to 4-5%, re finance into conventional with LTV less than 80% due to existing equity, take off PMI/MIP, have a lower int rate, and cash flow ~$200-250/mo.Good deal?

Quote from @Rereloluwa Fatunmbi: Quote from @Benjamin Louie: @Rereloluwa Fatunmbi Purchase Price: $195,000Units: 1/1, 1/1, 2/1, StudioStabilized Rent: $3,165/moEstimated Monthly Expenses:Mortgage (DSCR, ~80% LTV, 5.5%, 30 yrs): ~$1,100Property Taxes: ~$200 (check exact amount, NE Ohio usually lower)Insurance: ~$100Utilities (wrap for single meter): ~$200–$250 (budgeting high)Maintenance / CapEx Reserve: ~$250Vacancy (5%): ~$160Total Monthly Expenses: ~$2,010–$2,060Projected Cash Flow:Stabilized Rent $3,165 – Expenses $2,060 ≈ $1,105/moNotes:Utilities can be lower or higher depending on efficiency and tenant behavior.Maintenance includes minor repairs and small updates; major items (roof, HVAC, plumbing) would be separate capex.Vacancy may fluctuate; 5% is a conservative estimate for this area.If you wrap utilities into rent, you might lose a bit on the 2/1 and studio, but it keeps things simple.Takeaways:Even with conservative budgeting, the deal looks solid for cash flow.DSCR loan works here since your actual income isn’t needed for qualification, but check prepayment penalties if you plan to refinance.Consider documenting all systems and unit conditions for future resale or refinance.

The house has built a bit of equity since purchasing almost two yrs ago.

With its almost 8 yrs of payments paid on it thus far; The approximate superior 1st lien balance outstanding is $243,000QUESTION: Given that that this 2nd lien loan was closed thru an attorney and the parties knew one another, and it appears there is SUFFICIENT equity cushion between what they owe on their 1st lien ($243K) and their 2nd lien ($24K) Vs the $625K to $650K  Now  Property Value.WOULD YOU BUY THIS 2nd lien ? 

But they effectively only invest with sponsors that have been around for 15+ yrs, so there is a track record.Clearly, $1mm/yr investments to $20+mm/yr investments leaves a significant gap, which is all grey area.