 contact me the other day and say, I can't get a loan because I don't work, but I own all this real estate and all this depreciation is covering all my income. So it looks like I make no money. I have actually losses on my tax return. Hey, I do too. And I still get loans. Your problem is that you've got the wrong lenders. You've got to go get the right lenders that understand real estate. You can't just go to any old mom and pop or your brother, your cousin, or your bank. They don't understand real estate and they'll never let it work.