I'm a lender, and I can tell you- The only thing that counts against you in purchase qualification is that minimum $350/month payment. 

If it's a larger organization, feel free to inquire about their different staff qualifications.2.

Main thing is find good tenants and that can be done with screening qualifications:-income 3x the Rent -minimum FICO score-minimum reserves-positive referencesBe disciplined with screening and you should be solid.

The income qualifications will be solely determined base upon your Schedule C income in your tax returns in this scenario.

There's no qualification to have owned before in buying a non-owner occupied investment property. 

If it's a larger organization, feel free to inquire about their different staff qualifications.2.

Please keep in mind, the four basic requirements for a successful exchange are: • Property Qualifications – the properties involved in a 1031 Exchange must be held for business or investment purposes. • Tax Deferral – to defer 100% of the tax liability you will need to 1.reinvest all of your cash and 2.purchase property equal or greater in value. • Timeline – the 1031 exchange must be completed within 180 days. • Identification – potential replacement property must be identified on day 45 of the exchange. 

For non-subject rental properties, the rental offset can be as high as 90% or 100%, depending on the lender and your qualifications.

The lender I originally posted said that they use my current and past income to determine my pre qualification amount and the lender I just talked to that used 130k said that thats incorrect.

If it's a larger organization, feel free to inquire about their different staff qualifications.2.