You'd be cash flow negative every month once those are factored in.

If you have a negative cash flow before depreciation, then you have a liability for your DTI calculation.For most lenders, this is how rental income is incorporated into DTI.

So they are estimating that your LLC is in the 36% tax bracket.You would have tax savings if your before tax income was negative (i.e. you would be getting a refund).

I'm not familiar with Renatus so I can't say anything positive or negative.

@Mark UpdegraffI may lose out on a few deals, but with a full-time job I only have time for a couple deals going at one time anyway.

Simply show the lease, and you're good to keep buying (your Debt to income should still be fine due to the rent, given your not cash flow negative).Hope it helps!

If you do find some, make sure you adjust for positive and negative features.

A cash purchase would be a poor ROI due to the same inflation, yes, but you would be getting probably $600 a month in cash flows - which will be necessary when one of those negative occurrences I threw out occur, which they eventually will.

I only have 1 property right now, a duplex, and as I mentioned, it is in Urbana.

Now I only owe money to the lenders.