I guess it has to be fully paid back within 5 years from the distribution so you basically skip the first payment.)I vote that @Dave Meyer does a quick upgrade to the rental property calculator to include scenarios with simultaneous loans!

Quote from @Miguel Del Mazo: It basically says that if the electric bill is twice what the same month's bill from last year was, the overage will be charged as a fine.That's a good barometer actually.

Airbnb basically lists that metric as 40%+ for every single Airbnb property even though statistically it's only possible for most properties to show up in the top 10 well under 1% of the time.How the hell can 20,000 properties in a single market all show up in the top ten 40% of the time?

If you believe the new assessment is too high, you can file an appeal.

When lenders calculate your DTI and your owned properties are breaking around even or a little cash positive from rents, do they basically look at those as no debt or even positive income to keep giving you more loans?

Basically, you're saying your intent is not to move in, but with owner-occupant loans for lower downpayments, you will sign a statement certifying your intent is to occupy the property. 

I could use gross income or have the property assessed for assets and it would come out to at least $1M.

That basically meets the 1% rule.

We offer it at TFSB but it does require the basics like qualified credit score, DTI ratios - Must have W2 or (2 years of 1099 income) to qualify.

From there, it's normal DTI/Credit/Cash assessment for the new loan to determine whether you can afford the loan.