. • DSCR: Banks don’t look at DSCR on FHA, but running it yourself (NOI ÷ debt service) is a great habit.

Quote from @Harriet Vital: It's a great space to be in IF you are thorough with due diligence. 

Compliance & LicensingConfirm they’re licensed in the state where your property is located and that they understand local housing laws (Fair Housing, habitability, security deposit handling, etc.).

LiquidityHigh leverage (80–90% LTV) amplifies both your upside and your risk.Pros: You preserve cash, control an appreciating asset sooner, and benefit from inflation-hedged debt.Cons: Cash flow gets razor thin — even a small vacancy, repair, or tax increase can turn positive cash flow negative.If your job is stable and your savings habits are strong (which is common for engineers), high leverage isn’t inherently bad.

We will also be working on habitation units for Mars..... with ai.

Using the calculators on a daily basis would be a good habit to perfect your deal analysis skills.

It's been a vital aspect of my success.

Mortgage professional for over 20 years and leads a team of mortgage advisors focused on helping real estate investors succeedSince Q3 of 2025, Jeff has:*Featured on the BiggerPockets Podcast RE Episodes 1163, 943 & 939 and BiggerPockets Rookie Show Episodes 588 & 409*Closed 37 deals, with 40% of his business coming from BiggerPockets investor leads*Converted 19% of his BP leads an outstanding track recordIn this exclusive session, Jeff will reveal the day-to-day habits that drive consistent deal flow.Agenda-How to build a strong brand as a loan officer in a competitive market-Jeff's systems for lead management and client follow-up-How to overcome objections and turn skeptical leads into loyal clients-Real examples of what's working in today’s lending environment-LIVE Q&A: your questions answered in real-timeTotally Free to join!

If investor A fails to meet the implied warranty of habitability and tenant withholds rent how do the Wyoming trust and LLC help? 

In my experience, most standard dwelling fire policies (DP3 is the most common insurance form used for single family homes) will not allow for two separate buildings with habitational units to be insured on the same policy.