Unless you are using commission, bonus, or have variable income to qualify, you should not need to wait 2 years for conventional financing, which will have lower rates and less down payment required than DSCR (assuming you plan to house hack).

Personally I wouldn’t count any Apple profits and just count that as a bonus unless you’re planning for that to be your new job. 

Wyoming's quick registration is a nice bonus too.

You can transform a space that you merely use for storage into a cash-flowing rental to subsidize your mortgage, your bills and other household expenses.My journey to house hackingIn Spring 2022, my neighbor mentioned he had started renting out the Accessory Dwelling Unit (ADU) on his property on AirBNB.

I would then keep the extra hours going towards increasing my pension, extra overtime hours that would have been spent on my rental, my year-end bonus would be bigger, and I can come it with a significantly higher cost basis lowering my tax liability.

I agree with Rhett that you really need to look at cashflow as your primary objective and consider any appreciation as a bonus.

We used tax returns, work bonus payments, any extra money for down payments and for renovation. 

(more on this below).And Some lending institutions are even trying to claw back hiring bonuses previously given to employees!

I will buy materials on the credit card for the sign up bonuses.

You should get a sign up bonus.