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. 

We've been buying properties in the southern US and have had pretty good success.

Roughly 1,600 sq ft. 2 stories.The alternative is to repair, pressure wash & paint the property costing roughly 4k-6k due to the amount of labor.

We are a boutique firm in Chattanooga and every agent in our firm is personally involved in either real estate development, owns investment properties or flips homes. 

You could do things like outdoor speakers, waterfalls, etc.Visually, unless you are in an HOA or other restrictions, maybe you can hedge the backyard for added privacy.The goal for most people is to keep the property, not sell.

I have over a hundred rental units I own and operate in Utah everything from homes and condos to larger multifamily.Salt Lake County has higher property taxes and is basically built out already and Ogden even though you can find good opportunities in the long run it won't be able to compete with South Utah County or Eagle Mountain. 

The whole house needs to be remodeled due to lots of wear and tear and being outdatedI am planning to use a HELOC on my current property for mostly all the repairs.

We don't directly manage properties.

I use a property manager there. 

I get what they are trying to do here, preserve 2-4 unit properties and discourage deconverting to SFH.