Moral of the story, it's hard to gauge!

@Cristian Aviles-Morales If you don't mind me asking, when you went through the VA Loan process, did you utilize a co-borrower or were you able to reflect your own income?

I plan to refinance the property at the 6 month mark into a 30 year fixed mortgage and I was wondering what types of improvements boost the appraisal the most. 

I’m a wholesaler with a real estate license... but I also have ethics and morals so I guess I’m not a wholesaler after all.

I spoke with another lender and they informed me that you can actually use potential market rent from the other two units to boost the applicant's income.

There might be exceptions for EU passport holders and in certain locals to boost property prices. 

Having student loans should increase your credit, not hurt it, assuming you actually paid them when you were supposed to.One of the easiest ways to boost your credit (beyond beginning to pay what you owe), is to go and pull your free credit report (I believe it is https://www.annualcreditreport.com/).

So if I were to count the upstairs that boosts the house to 1,022 square feet.  

Aaron Amuchastegui, Manager, Homerock, LLC See the answers to these questions and more in the Speaker E-book here.The following speakers have contributed to our E-book: Aaron Amuchastegui, Manager, Homerock, LLCKevin Baldridge, President, Tricon American HomesBruce Bartlett, Managing Partner, Sequoia Real Estate PartnersMark Bloom, Principal, NetWorth RealtyGreg Coleman, Co-Founder & Managing Partner, Revest Asset Management Steve Daniele, CEO, Shannon Staley And SonsKathy Fettke, Co-CEO, Real Wealth NetworkRandy Hagedorn, Senior Vice President, Tricon American HomesLee Kearney, Owner, Southeast Property Investments NetworkIsaac Kyle, CEO, GOAL Property, LLCSandor Lau, Chief Inspiration Officer, Noted Financial Ryan McGarry, Managing Partner, COO, VineBrook HomesWade McGuinn,CEO, McGuinn Hybrid HomesMarcos Morales, Executive Director, Hogar Hispano, Inc.William Powers, President, RTO Property Michael Saccento, Director, Figure Doug Smith, Portfolio Manager & COO, Castle Rock Capital ManagementKelly Stumphauzer, Owner, Prosper ClevelandThey will be joined by over 170 esteemed industry speakers who will be discussing the key issues and opportunities in the single family rental investment market.

Than this will boost you WAY ahead in your investing timeline.