Bakersfield DSCR Loans: Kern County Rentals That Qualify on Rent, Not Oilfield, Farm or Overtime Pay

Reviewed by David Ghazaryan, Mortgage Broker, NMLS 1486726 · iQRATE Mortgages, NMLS 1862492 · Updated November 9, 2026

Quick answer: A Bakersfield DSCR loan is a mortgage for a non-owner-occupied rental. It qualifies on the property's rent divided by its full monthly payment (PITIA: principal, interest, property taxes, insurance and HOA dues), not on your tax returns, W-2s or debt-to-income ratio. Bakersfield is one of California's most affordable large cities. Local market reports put the median sale price at about $417,000–$418,000 in September–October 2026. Lower prices relative to rents mean single-family rentals here cash-flow better than in most of California, which helps a DSCR loan qualify. iQRATE Mortgages (NMLS 1862492) is licensed in California and shops more than 100 lenders on complex files.

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Investor loans are for business purposes only. Not all borrowers qualify. Terms are subject to underwriting and can change. Nothing on this page is a rate quote, and it is not a commitment to lend. iQRATE Mortgages LLC NMLS 1862492. David Ghazaryan NMLS 1486726. Equal Housing Opportunity.

What is a DSCR loan, and why does it fit Bakersfield investors?

A DSCR (debt service coverage ratio) loan is business-purpose financing for an investment property. The lender divides the monthly rent by the full monthly payment, PITIA. A ratio of 1.00 means the rent covers the payment exactly. At 1.25, the rent is 25% more than the payment. Below 1.00 the rent falls short, and some lenders still lend at a higher rate.

Lenders still check your credit, assets, reserves and the appraisal. You can't live in the home, and that includes one unit of a duplex.

Bakersfield has a specific reason to care about this loan. Kern County's economy is built on agriculture, oil and gas, logistics and public employers. Many Bakersfield buyers earn oilfield, agriculture, overtime or seasonal income. On a full-documentation loan, lenders usually want a two-year history in the oilfield. Rotations, per diem and overtime count only if they are documented and likely to continue. Seasonal farm income needs a two-year history and a reasonable expectation of rehire.

A DSCR loan sidesteps that review. It looks at the house: the rent it earns and the full payment it carries. Variable pay, write-offs and a thin paper trail stop mattering to the ratio.

Who a Bakersfield DSCR loan usually fits

• Self-employed investors whose write-offs shrink taxable income. That includes the farmers, truckers and contractors who often write off most of their income.
• Investors with oilfield, ag or seasonal income that a full-doc lender would discount or average.
• Growing portfolios, where each conventional loan adds to your debt-to-income ratio.
• Investors who want title in an LLC, with lenders that allow it.
• Out-of-area investors buying Kern County rentals.
• Refinances of rentals you already own.

Who should skip it

• You plan to live in the home, even part-time. You need an owner-occupied loan. See our Bakersfield mortgage broker page for those programs.
• You're a W-2 earner with room in your debt-to-income ratio. A conventional investment loan usually costs less.
• You'll sell or refinance soon, and a prepayment penalty would eat the gain.

Bakersfield DSCR key facts

Local figures come from iQRATE's Bakersfield mortgage broker page (updated October 13, 2026) and the public sources listed at the bottom of this page.

How is the DSCR ratio calculated?

DSCR = monthly rent ÷ monthly PITIA

What the ratio leaves out: it uses gross rent, so vacancy, management, turnover and repairs aren't in the math. A property can pass the lender's test and still lose money in a bad year. Underwrite your own deal separately.

The arithmetic, in three tables

These are simple math examples from our DSCR program overview. They are not Bakersfield rents or quotes. Plug your own numbers in the same way, or use our calculators page.

Ratio at different rents on a $2,500 monthly PITIA

1.00 means the rent equals the payment.

Highest PITIA a rent can carry (rent ÷ target DSCR)

Simple math: rent divided by the target DSCR.

Rent needed for a 1.25 DSCR (PITIA × 1.25)

Simple math: payment times 1.25.

Why do Bakersfield rentals reach the ratio more often than coastal ones?

The ratio has two sides. Bakersfield works on both of them.

The payment side is smaller. A median sale price near $417,000–$418,000 means a smaller loan. Under Proposition 13 the tax is based on your purchase price, so a lower price also means a lower tax line. The first year of homeowners insurance and property-tax escrow are usually lower than on the coast.

Rent goes further against price. Prices are lower relative to rents, so a DSCR loan qualifies here more often than in most of California.

That doesn't make every Bakersfield deal work. Three local lines can still push the payment up:

1. Special assessments. Some newer southwest tracts add them on top of the regular tax. Check the tax bill on any Seven Oaks or Rosedale-area home before you offer.
2. Your tax resets. If the seller owned the home for years, their bill reflects an old Prop 13 value. Yours resets to your price, and you should expect a supplemental tax bill after you buy. After that, assessed value can rise at most 2% a year. The California Board of Equalization explains change-in-ownership reassessment.
3. Insurance and condition. Summer highs routinely pass 100 degrees, so inspectors pay close attention to cooling systems. Budget for a system replacement on older homes. Pre-1980 homes in older neighborhoods may need roof or electrical updates to pass an FHA or VA appraisal, so check condition on older rentals too. The landlord insurance premium goes straight into PITIA, so get the quote early.

Neighborhoods and ZIPs we lend in

Seven Oaks and Tevis Ranch (93311, 93312), Rosedale and Riverlakes Ranch (93312, 93314), Oleander-Sunset and Westchester (93301, 93304), the Northeast and Panorama Bluffs (93306), Silver Creek (93311), and nearby Tehachapi (93561).

Five checks to run before you offer on a Bakersfield rental

1. Pull the real tax bill. Look for special assessments, then budget the tax on your price, usually about 1.1–1.3% in total.
2. Get a landlord insurance quote, and check the cooling system. The premium goes straight into PITIA. Inspectors pay close attention to cooling systems here, so budget for a system replacement on older homes.
3. Test the rent before the appraiser does. Gather realistic rent comparables for the same bedroom count and condition. Run the ratio at the seller's rent and at a lower rent.
4. Check for wells and septic on edge-of-town and rural parcels. Order water and septic inspections early.
5. Confirm the property type fits. Condos need project review. On 2–4 units the lender uses every unit's rent. Short-term rental income needs proof the use is allowed where the home sits.

David puts the reason for these checks this way:

"One thing being a real estate investor has taught me is that getting a loan approved and making a good investment are two different things. I've seen investors spend weeks negotiating a purchase price and then barely examine the financing terms. They focus on the interest rate. I look at the entire transaction: cash invested, monthly carrying costs, reserves, prepayment penalties, and the exit strategy."

— David Ghazaryan, NMLS 1486726

Which rent number will a DSCR lender use?

The appraisal sets two numbers that decide your loan: the value and the market rent. The rent opinion usually comes on Fannie Mae Form 1007, the Single-Family Comparable Rent Schedule, where the appraiser compares your property with nearby rentals. Under the redesigned agency appraisal report (UAD 3.6), required for new agency appraisals submitted on or after November 2, 2026, market rent moves into the report itself instead of a separate 1007. DSCR lenders set their own requirements, so you may see either format.

Some lenders use the signed lease. Some use the appraiser's market rent. Some use the lower of the two. Ask which rule applies before you pay for the appraisal. On a 2–4 unit property, provide every lease.

That is why your terms stay tentative until the appraisal comes back.

"You can close a DSCR deal with just about any problem as long as you put a bit more down. That's why we always tell clients the rate and down payment are tentative until the appraiser's value and rent come in."

— David Ghazaryan

What are your options if the ratio comes in below 1.00?

You have more choices than walking away:

1. Put more money down. A smaller loan lowers the payment and raises the ratio.
2. Take a lender that accepts 0.75–0.99. With the example lender below there's no extra down payment, just a higher rate.
3. Use a no-ratio loan if nothing else works. It needs a larger down payment and 680+ credit with that lender, and the rate is higher.
4. Consider interest-only where offered. It raises the ratio, but you aren't paying down principal.
5. Buy down the rate. It costs cash at closing. Seller or builder credits can sometimes pay for it (see the new-construction file below).
6. Pick a different property. Two homes at the same price can rent very differently, and lower HOA dues, taxes or insurance move the ratio too.
7. Walk away. If the deal only works on optimistic rent, we'll say so before your earnest money is at risk.

DSCR terms: an example from one lender we place loans with

These terms are published on our Nevada and Las Vegas DSCR loans page as one lender's example. Every DSCR lender sets its own grid, and California availability is confirmed on your actual file. Not a rate quote and not a commitment to lend.

What drives DSCR pricing

We don't publish DSCR rates because pricing changes daily. What moves it most:

• Credit score and loan-to-value (LTV). Higher scores and more equity usually price better.
• The ratio and the prepayment penalty. 1.00 or higher prices best, and a longer penalty usually lowers the rate.
• Loan size, property type and features. Very small or very large loans, condos, 2–4 units, short-term rentals, interest-only and cash-out can carry adjustments.
• Points. Paying points, or using seller or builder credits for a buydown, lowers the rate.

How do DSCR prepayment penalties work?

You choose the length, from five years down to none, and each choice prices differently. A longer penalty generally buys a lower rate. No penalty costs the most. Step-down structures shrink the charge each year until it ends. Some notes use a different formula, so read the prepayment rider before you sign.

Why can a DSCR loan carry a penalty at all? Regulation Z limits prepayment penalties on most consumer mortgages. Credit extended primarily for a business purpose, such as a loan on a non-owner-occupied rental held as an investment, is exempt (12 CFR 1026.3(a)).

"A loan that saves you money today can become expensive if you need to refinance or sell before a prepayment penalty expires."

— David Ghazaryan

Ask whether the penalty applies to a sale as well as a refinance, and whether the rate you were quoted assumes a particular penalty. Get each answer in writing on the term sheet.

Which property types qualify?

Duplexes and fourplexes near downtown and CSU Bakersfield are popular with investors. For larger buildings, see DSCR loans for 5–8 unit small multifamily.

Cash-out refinance on a Bakersfield rental

A DSCR cash-out refinance pulls equity from a rental you own, qualified on its rent.

• The ratio still applies at the new, larger loan. More cash out means a bigger payment and a lower ratio.
• Seasoning: at least 6 months on title at most lenders, following Fannie Mae's rule. Some non-QM DSCR lenders allow cash-out right after an all-cash purchase. You document the funds you used, and the lender may price the exception into the rate.
• Reserves: at one of our lenders, the cash-out proceeds can count toward them.
• Maximum LTV varies by lender and credit score. We quote it on your actual file.
• Check your current loan first. An existing prepayment penalty can make an early refinance expensive.

Buying several rentals over time? Compare one loan for a group of properties in our blanket loans guide or see portfolio loans.

Closing a Bakersfield DSCR loan in an LLC

Some of our DSCR lenders let you take title in an LLC. Business-purpose credit, including credit to an entity, is generally outside Regulation Z's consumer-mortgage rules.

• Personal guarantee: always required by the lenders we use for LLC closings.
• Documents: articles of organization, operating agreement, the IRS EIN letter, and proof the entity is in good standing with the California Secretary of State. If the LLC was formed in another state, ask your attorney whether it also needs to register in California.
• Set up the LLC before closing, not during underwriting. Late entity changes are a common cause of delays.

Talk with your attorney and CPA about whether an LLC makes sense for you.

Tax returns, write-offs and why the ratio ignores them

Landlords report rental income and expenses on Schedule E (Form 1040). The IRS explains the rules in Publication 527, Residential Rental Property, Topic 414, Rental Income and Expenses, and Topic 415, Renting Residential and Vacation Property. Legitimate deductions can make a profitable portfolio look thin on paper. A full-doc lender reads that paper. A DSCR lender reads the property's rent against its payment.

David is a real estate investor himself and has prepared more than 6,000 tax returns. Investor files get read the way an owner reads them: rent, taxes, insurance and HOA dues first, then the loan. This is general information, not tax advice.

Using a DSCR loan in a 1031 exchange

A 1031 exchange lets you defer capital gains tax by selling one investment property and buying another. You generally have 45 days to identify the replacement and 180 days to close (IRS like-kind exchange tips). DSCR loans fit because they don't re-document your personal income. Give us your sale date and both deadlines on day one, and get your ratio checked before you identify properties. Coordinate with your qualified intermediary and tax advisor. This is not tax advice.

DSCR vs. a conventional investment loan in Bakersfield

Choose conventional if your documented income carries the payment, you're under the property limit and you don't need an LLC. It's usually cheaper. Choose DSCR if your returns understate your income, your debt-to-income ratio is maxed out, you're past the limit, or you want an entity. A Bakersfield investor whose pay is seasonal, rotational or heavily written off may fit the DSCR column.

Real iQRATE DSCR files (not Bakersfield closings)

These are real iQRATE files described on our DSCR loans page. Most are Las Vegas files, and we do not present any of them as Bakersfield closings. Names and details are removed and figures are rounded. They show how DSCR rules decide a hard file.

Las Vegas: rent that covered only 83% of the payment

In fall 2023 an investor wanted to pull cash out of a Las Vegas condo rental with a DSCR loan. The rent covered only about 83% of the new payment, a DSCR of 0.83. The appraised value was $280,000. Low leverage did the heavy lifting, and the cash-out refinance funded in fall 2023.

The rent paid 83 cents of every payment dollar.

Las Vegas: a debt ratio above 200% that did not matter

In fall 2023 a buyer with strong credit wanted a Las Vegas rental home near $420,000. Her income came mostly from capital gains and dividends. Run through a full-doc loan, her debt ratio came out above 200%. We stopped looking at her income and looked at the house. The rent produced a DSCR of 1.18, and she closed on a DSCR loan of about $210,000.

Her full-doc ratio was over 200%. On rent, the property covered itself.

LLC refinance: $130,000 low, and the loan still went up

In 2024 an investor was refinancing a rental owned in an LLC with a DSCR loan. We expected a $1 million value. The appraisal said $870,000. The loan started low relative to value, so there was room to spare. We raised it from $400,000 to $435,000, and final pricing improved.

The value came in $130,000 low. The loan still went up.

Las Vegas: two condos, one closing day

In fall 2024 a Las Vegas investor with five or more rentals bought two condos in the same southwest Las Vegas complex and closed both on the same day. The appraiser's rent pushed the ratio down to 0.82, below 1.0. The loan stayed approved because the down payment and reserves carried it.

Two files closed with rent below the payment. Equity carried them.

Las Vegas: an investor from overseas

In spring 2023 a past client referred a foreign-national investor who wanted a Las Vegas rental home near $435,000. The buyer's funds sat in overseas bank accounts. We used a DSCR loan that qualifies on the home's rent and documented the funds with overseas bank statements. The purchase closed in spring 2023, and pricing improved between the first and the final approval.

Las Vegas new construction: the builder's lender said no

In David's words:

"A client came to us after the financing on her brand-new Las Vegas investment property fell apart. She had found a move-in-ready home that another buyer had failed to close on. The builder wanted the property sold and was offering unusually generous incentives. But there was a catch. To receive those incentives, she was required to apply through the builder's preferred lender. She did exactly what the builder asked. She submitted the application, cooperated with the process, and provided the documentation. Then the builder's lender denied her loan."

The builder ultimately agreed to honor the incentives if she obtained outside financing. iQRATE arranged a DSCR mortgage using the property's rental income and applied the builder incentives toward a rate buydown. The resulting mortgage had a debt-service coverage ratio of approximately 1.00, with rental income covering the roughly $3,500 monthly qualifying property payment. The loan closed in less than three weeks.

"The lesson I took from that transaction is that a lender's denial doesn't necessarily mean a good investment opportunity is dead. Sometimes the solution is understanding the purchase contract, preserving the buyer's negotiating position, and choosing a financing program that fits the actual investment."

— David Ghazaryan

What these files mean for a Bakersfield rental

Real iQRATE files. Names and details are removed, and figures are rounded. Past results do not guarantee future outcomes. All loans are subject to credit approval.

How we shop a Bakersfield DSCR file

DSCR loans aren't standardized like Fannie Mae or FHA loans. Each lender uses its own risk underwriting, so the same property can get a "no" from one lender and a good offer from another.

1. Send us the scenario: address, price, expected rent, the current tax bill, an insurance quote, HOA dues and how you'll hold title.
2. We run the ratio conservatively, with full PITIA and realistic rent, so you know early whether the deal works.
3. We shop DSCR lenders and get the key terms: ratio floor, down payment, rate, reserves, prepayment options and how each counts the rent.
4. Application and credit. No tax-return package.
5. Appraisal with rent analysis. Ordered right away. It is usually the longest step.
6. Underwriting: assets, reserves, insurance, entity documents and the final ratio from the appraisal.
7. Clear to close and funding, with local escrow and title.

"On a complicated deal, I'll personally email more than 100 lenders and sift through what comes back. It's a lot of work, so I do it once the client is committed, with a full application and documents in hand."

— David Ghazaryan

The most common delays are a low appraised rent, a late insurance quote and LLC paperwork that isn't ready.

What to gather

Tax returns, W-2s and pay stubs are generally not required for a DSCR loan.

Questions to ask any DSCR lender or broker

If a lender can't answer these in writing, keep shopping.

What do clients say about iQRATE Mortgages?

Real reviews, quoted word for word. They describe our company overall. Neither reviewer is presented as a Bakersfield client, and neither review is a promise about your loan.

"Andrei and David were so great! They're helpful and communicated everything with me through the whole process. I am so pleased and look forward to using iqrate for my future investment properties. 10/10 Will be reccomending to friends."

— Kassandra Arthur, review on Google

"David and Andrei and team were very knowledgeable and really helped in the whole process. Even though the economy is going through a rough time they were able to explain every detail and really looked out for our best interest! I would highly recommend their team as they will find a way to get it done!"

— Lydia Z. (Menifee, CA), 5-star review on Yelp

Our ratings: Google 5.0 from 77 reviews. Yelp 5.0 from 51 reviews. Zillow 5.00 from 9 reviews. David Ghazaryan: 5.0 stars from 87 reviews on Experience.com (October 2026).

Read more of David's reviews on Experience.com or see our reviews page. Prefer to watch? Visit our videos.

Bakersfield DSCR loan FAQs

Can I get a DSCR loan on a Bakersfield rental if my income is oilfield, farm or seasonal pay?

Yes. A DSCR loan qualifies on the property's rent compared with its full payment, so how you're paid doesn't drive the ratio. On a full-doc loan, the same income usually needs a two-year history and evidence it will continue.

Do Bakersfield rentals usually reach a 1.00 DSCR?

More often than in most of California, because prices are lower relative to rents. The address still decides it. Special assessments or a reset Prop 13 tax bill can push PITIA up, so run the ratio on the actual home.

What property tax should I use in a Bakersfield DSCR calculation?

Use your purchase price, not the seller's bill. Under Proposition 13 the tax is 1% plus local voter-approved levies, usually about 1.1–1.3% of the price in total. Add any special assessments, and expect a supplemental bill after you buy.

How much is the transfer tax on a Bakersfield rental purchase?

The county documentary transfer tax is $1.10 per $1,000 of value, and Bakersfield adds no city transfer tax.

Which Bakersfield areas do you lend in?

Seven Oaks and Tevis Ranch (93311, 93312), Rosedale and Riverlakes Ranch (93312, 93314), Oleander-Sunset and Westchester (93301, 93304), the Northeast and Panorama Bluffs (93306), Silver Creek (93311), and nearby Tehachapi (93561).

Can a DSCR loan finance a rural Kern County rental with a well or septic system?

Sometimes. Homes toward Arvin, Lamont, Shafter and Tehachapi may have wells or septic systems that need water and septic inspections before closing. Tell us early so those inspections can be ordered.

Can I finance a Bakersfield duplex or fourplex with a DSCR loan?

Yes, with lenders that take 2–4 units. The ratio uses the combined rent from all units against one PITIA, and you should provide every lease. Duplexes and fourplexes near downtown and CSU Bakersfield are popular with investors.

Do I need a jumbo DSCR loan in Bakersfield?

Compare your loan amount with the Kern County 2026 conforming limit for one unit, $832,750. That limit is well above the city's median sale price of about $417,000–$418,000 (September–October 2026). DSCR lenders set their own loan ranges; very small and very large loans narrow the list.

What rent will the lender use on a vacant Bakersfield home?

Usually the appraiser's market rent opinion, often on Form 1007 or, for agency appraisals submitted on or after November 2, 2026, inside the redesigned UAD 3.6 report. Gather realistic rent comparables before you offer.

What if the appraiser's rent comes in low?

Your options are a lender that accepts ratios from 0.75 to 0.99 at a higher rate, a lower payment through a buydown or more equity, or a different property. That's why terms stay tentative until the appraisal returns.

Can a first-time investor get a Bakersfield DSCR loan?

Some lenders allow it, with extra occupancy review, because the lender must be satisfied you won't live in the home. If one lender says no, we ask others.

Can I close in an LLC formed outside California?

Some of our lenders allow LLC vesting, always with a personal guarantee. Bring articles, the operating agreement, the EIN letter and proof of good standing, and ask your attorney whether the LLC must also register in California.

Can I pull cash out of a Bakersfield rental I bought with cash?

Many lenders want at least 6 months on title. Some non-QM DSCR lenders allow cash-out right after an all-cash purchase if you document the funds you used, and they may price the exception into the rate.

Can I live in the home for a while before renting it?

No. DSCR loans are business-purpose loans for non-owner-occupied property. For a home you'll live in, see our Bakersfield mortgage broker page.

Can a Bakersfield rental be the replacement property in a 1031 exchange?

Yes. Share both deadlines, 45 days to identify and 180 days to close, on day one so the appraisal is ordered right away. Coordinate with your intermediary and tax advisor.

Why doesn't this page list DSCR rates?

Pricing changes daily. It moves with credit, equity, the ratio, the prepayment option, loan size and property type. Terms are confirmed in writing on the term sheet for your actual file.

Official sources for Bakersfield DSCR investors

Get started

Tell us about the Bakersfield property. We'll run the ratio on the real tax bill and insurance quote, shop DSCR lenders and tell you plainly whether the deal works.

Apply now · Schedule a free consultation · Call or text (702) 766-3744

More: DSCR loan program overview · Bakersfield mortgage broker · California mortgage broker · DSCR loans in Sacramento and the Inland Empire · No-ratio DSCR loans · Calculators

Related iQRATE pages

• Investors
• Serial investor loans
• Foreign national DSCR loans
• Non-QM loans
• Bank statement
• P&L statement loans
• Self employed
• Refinance
• Closing costs by state
• Guarantees
• About
• FAQ
• Jumbo
• FHA loans
• VA loans
• First time home buyer
• Blog

Other California cities iQRATE lends in

• Anaheim
• Beverly Hills
• Carlsbad
• Coachella Valley
• Fremont
• Fresno
• Irvine
• Long Beach
• Los Angeles
• Modesto
• Oakland
• Oceanside
• Pasadena
• Riverside
• Roseville
• Sacramento
• San Diego
• San Francisco
• San Jose
• Stockton
• Temecula

Talk with iQRATE about this loan

Apply now or contact us to get a quote on the property you have in mind. You can also schedule a call or book a call with David at (702) 766-3744. This is not a commitment to lend.

Sources

• iQRATE Mortgages, Bakersfield mortgage broker page (updated October 13, 2026): local median sale price from local market reports, transfer tax, Prop 13 range, special assessments, neighborhoods and ZIPs, climate and condition notes, investor notes.
• iQRATE Mortgages, DSCR loans page (updated October 30, 2026): example lender terms, ratio arithmetic, prepayment options, appraisal and UAD 3.6 notes, client files, platform ratings.
• David Ghazaryan, investor interview answers (October 31, 2026).
• California Board of Equalization, change in ownership.
• FHFA conforming loan limits and 2026 announcement.
• Fannie Mae Selling Guide B3-4.1-01, minimum reserve requirements; Fannie Mae and Freddie Mac UAD 3.6 FAQs.
• 12 CFR 1026.3(a), Regulation Z business-purpose exemption.
• IRS: Schedule E, Publication 527, Topic 414, Topic 415, like-kind exchanges, EIN.
• California Secretary of State.

Licensing and disclosures

iQRATE Mortgages LLC, NMLS 1862492 · 6360 S Rainbow Blvd Ste 101, Las Vegas, NV 89118 · Licensed in Nevada, California, Texas and Florida · David Ghazaryan, Mortgage Broker, NMLS 1486726 · (702) 766-3744. Verify both licenses by searching NMLS 1862492 and NMLS 1486726 on NMLS Consumer Access.

DSCR loans are business-purpose loans for non-owner-occupied investment property, not for a home you or your family will live in. Not all borrowers qualify. Lender terms on this page are one lender's examples as of October 2026, and the ratio tables are arithmetic only; none is a rate quote, a loan offer, or a commitment to lend. Programs are subject to credit, property and lender approval, and terms can change without notice. Client files are de-identified, are not Bakersfield closings, and do not guarantee future outcomes. Nothing on this page is tax or legal advice. Equal Housing Opportunity.