It is human nature to want to try to tuck that away and hope it doesn't get noticed, but UWs are pretty smart and you definitely don't want to be 3-4 weeks into something and get denied at the last second.Happy to connect and talk a little moreGood luck! 

Hi @Pete Fiannaca,When a mortgage underwriter needs clarification about the way something appears on your tax returns, a human accountant will write that letter.

About the economy, IDK, so many variables incl AI robots replacing human labor and UBI etc, so who knows, but my gut feeling is I think it's going to be inflation.

Seller financing can give you time to stabilize before refinancing later.Look at used or repo mobile homes through dealers or wholesalers — sometimes you can get them for $15–25K each, then space out installs as you can afford it.For funding the homes themselves, you can use personal lines of credit, small business loans (SBA 7a if you structure it as a business), or even private money lenders.

Use Google Street View to spot neighborhoods that visibly improved.Filter by human behavior i.e., proximity to coffee shops, gyms, hospitals, and churches that show weekend parking overflow.

The best approach is to work with a screening provider that uses FCRA-certified human review in addition to database searches.A thorough report should include:Full credit report (from a major bureau, soft-pull if possible)Nationwide criminal and sex offender search (Multiple data providers not single)Eviction history Judgments and liens (No longer appear on credit reports)Optional tools such as income, employment, and ID verification to detect fraudWhen comparing services, ask how they verify mismatched data and whether they confirm records manually.

"Dead Internet Theory" is the idea that we are transitioning to less and less human interaction online and mostly bots and AI generated content.

Still, proper documentation, compliance with interest reporting (Forms 1098 and 1099-INT), and avoiding pitfalls like dealer status or misclassified personal-use interest are essential.Ultimately, when structured thoughtfully, creative financing becomes more than a growth strategy, it transforms into a sophisticated tax planning tool that turns leverage into a lasting financial advantage.This post does not create a CPA-client relationship.

Screening is your first line of defense in reducing rental risk—cutting corners there can cost far more down the road.Cheaper report costs usually mean cheaper data: automated pulls, incomplete records, and no human review.

Eventually I called FMC directly and spoke to one of the worst human beings I have ever come across in all my years.