It seems like the goal post keeps being moved, and technically with him gone, she does not qualify to live there anyways. 

If possible buy 3-4 unit properties as you should be able to apply 75% of the income towards your DTI to qualify for the loan.

But as a matter of policy, I just tell everyone that actually applied (that I didn't pick) that I rented the apartment to "another qualified candidate".

The IRS considers rental income "passive," and losses can only offset other passive income unless you qualify as a Real Estate Professional. 

The DSCR compares the rental income to the property’s debt, and as long as the property covers the loan payments, you can often qualify without needing tax returns or traditional income verification.

Reminder:Ground improvements qualify for bonus depreciation.This includes various landscaping.Roads and external parking areas.Sidewalks and pathways.Fences.Utility systems (including the installation or improvements to water, sewage, drainage, and electrical systems).Outdoor lighting.Rec facilities (like playgrounds, sports courts, and swimming pools).And more.It's a big category for depreciation/bonus depreciation that we love.

;-)Yes, been doing all that research since this post, and am hearing from qualified investors with multiple MTR's that healthcare professionals are their chief tenant.

At the time, I was working in FinTech, making 6 figures which allowed me to qualify for $400,000 for a multifamily.

You would just qualify the deal with AirDNA projected income or use a STR1007 to qualify.

But to qualify for the best mortgage rates, your score must be at least 740.A minimum loan-to-value ratio of 80%: Generally, lenders will loan up to 80% of the total loan amount.