@Ricardo Polanco barely qualifies as a lease:(This "lease" leaves you open for a lot of abuse and we don't suggest trying to terminate it on your own - or you may get an EXPENSIVE lesson from a judge!

It all depends on where you qualify. 

You may be able to qualify for FEMA funds?

This question has come up a few times with prospective clients recently, so I thought I'd shed some light on it.Generally, being an employee in a real estate business does not automatically qualify you for REPS unless you own at least 5% of the employer.

if you qualify, using the VA for a small multi opens up more opportunities as an asset vs investing in SFR.  

The leverage is a little lower and rates may change, but a DSCR is still possible provided you qualify.

If one is going to spend money on training learning how to present qualify and CLOSE is the skill agents need.

The items you mention MOSTLY qualify.

You can use that income to reduce your DTI and be able to qualify for a higher mortgage, if necessary.  

Down payment can be higher than primary, but the good thing is that you won't need that much income to qualify because lenders can you 75% of the market rents for the units of the property.