Lenders primarily care about how your rental properties affect your debt-to-income ratio when you’re applying for a primary residence.

Or should I rent first and become resident of Hawaii and then apply for mortgage later on? 

Great post.Another strategy for those who exceed the gain on sale exclusion…Consider converting your primary residence to a rental for at least a year.

Quote from @Joe Daniel: Quote from @Dave Harlan: Quote from @Joe Daniel: Hey Dave, lots of investors build their buyers list by tracking activity from local public records especially recent cash purchases, LLC transfers, and repeat buyers in the county.It helps you identify who’s actually buying right now instead of collecting random emails.If you ever want to talk through ways to source or organize that data efficiently, happy to share what I’ve seen work well for others. 

I specifically stopped using mysmartmove because they only showed the transunion resident score, and in my mind it created a potential FHA violation via inconsistencies. 

Is it random?

I’m open to doing the work and really want hands-on exposure rather than buying random courses.

They said they all have to be friends and know each other beforehand, and that you can’t throw random people in a home to rent out.

It's well known in lending that the radar needs to go up when someone randomly invokes how religious they are.

I bought my primary residence back in August of 2024 and this month I listed it on Airbnb and have a booking for Dec 26-29th.