However, when STOA first started going down the tank, they were negotiating with me on interest because selling them on MLS was a different entity at that time.  

Back to the DTI, if you want a quick down and dirty way to do it, start with the bottom line 24 on the 2024 return, then add back in Depreciation (line 18), and possibly interest expense (lines 12 and 13) IF it's also counted against your debt in the liabilities section of the application.

Clean-up costs- make sure you have sufficient coverage.D. 

You have started your journey in the right place.

. :-) I don’t have a coaching program I’m selling either.A little over a year ago, I started a thread about who was investing in their health.  

But I'm looking over numbers and I'm starting to think it may have always been a bit of a unicorn that appeared once when the stars aligned, but otherwise doesn't really make sense under MOST conditions.I've nerded out a little and ran numbers comparing interest rates, P+I payments, and initial principal balances and I've found with MY assumptions, that the 1% rule is actually NEVER a valid filter. 

That way, they feel locked in while waiting for the rule to clear.Just communicate—if they really want the house, they’ll likely wait rather than start over.Good luck closing the deal!

From there you can start to identify what you are looking for.Where do you land on the follow spectrums:Cash flow and AppreciationLong term or Short term needs (waiting for growth vs get out of my W2 now)Long term rentals, Mid term rentals, Short term rentalsBuying close to home or coast to coastSelf manage or hire a PMIf you can narrow in on those, you essentially have your buy box. 

I want to make sure I screen tenants properly, but I am not sure where to start.

@Juliann Morala if you're going to rent it out, start with a PMC!