A common approach is to include heat in the rent and adjust pricing accordingly.

There are many options, but I like TransUnion SmartMove the best.

But this will depend on the area that you are buying in.

It's definitely worth the trouble.

As an investor friendly real estate agent in Sacramento California, I have been encouraged by my amazing real estate broker, Noah Laker, to join in the conversations you all are having about real estate investing.I feel very lucky to have joined the team here at Hardin Realty & Property Management in Sacramento and all the excitement real estate has to offer.

Spoke with multiple credit unions and they mentioned a rental property needs to show at least two years of rental income in order for that income to be counted into the DTI ratio. 

You are still going to get the best rate possible with your significant down payment and with good credit I'm assuming.   

Quote from @Jimmy Lieu: Quote from @Alex Clark: Looking to buy a property in OhioHi Alex, I'm very familiar and have worked extensively in both markets.

The ROW @ Dietz Elkhorn is a 27 duplex community between San Antonio and Boerne.

I have been in the STR market for the last 13 years.