Here is some clarification:When property inside of an IRA is financed, it generates UDFI (Unrelated Debt-Financed Income), the income derived from the leveraged portion of the property. 

Oh....you can also pay off the mortgage even faster with your ample income or soon to be ample income.  3-5 year payoff time is definitely possible. 

You need two years of steady income before you can qualify for a loan.

Quote from @Ryan Pham: Is there a reliable way for to est income of a furnish / short term / airbnb  incomevs long time income ( I know this can be est looking at comparable posting in same area )I have a 3 bed / 1 bath small townhome ( hoa approved ) I like to try to fully furnish and do airbnb / fully furnish rentalThis unit is 1 mile from Banner Desert Medical Center ( traveling nurse ?

One time I had to use my knowledge and testing practices after a job, and that was because it was a HUD inspired low income grant job for a homeowner.

If there aren't any massive physical problems with the property, it appears you can grow income and equity.You might be able to buy this with little cash out of pocket if the seller owns it free and clear and was willing to finance nearly all of it.  

If the deal is in a good area, well taken care of, generates income, and will attract good tenants then i wouldnt worry about anything else.

– Considering Class A properties with established tenants• Less focus on appreciation – Prioritizing income stability over potential future gains Current Opportunity: I’m evaluating a retail property in downtown Portland with:• >80% occupancy, most tenants in place for 10+ years• Decent cap rate (6-7%), NNN lease• Well-maintained, high-quality building, with existing HOA which will take care of maintenance. 

Conventional financing is a great option to get started if you have a W2 job or easily verifiable income and you're financing a 1-4 unit property.

Building a rental portfolio that replaces your income takes years and a lot of effort, this is especially true in our high price high interest rate market.You need to have at least a 10 year vision when buying real estate.