I have only been investing for just under 2 years, and I thought banks required two years of tax returns to count rental income in my DTI (Debt-to-income) ratio, but my lender said they only needed one.

Not sure how the 'Days on Zillow' get counted.

I try and look for property's with the same characteristics as my subject home by trying to look for property's with the same bedroom and bathroom count but I feel like it's hard to find good comps or enough comps to actually get a good evaluation If anyone does anything different I would love to hear your feed back. 

I said I don't think that counts. 

No shot rates get to 5% next year IMO.When the FED says that inflation is remaining stubbornly-high, I don't think one can count on rates coming down next year. 

.—(1) The commission may deny an application for licensure, registration, or permit, or renewal thereof; may place a licensee, registrant, or permittee on probation; may suspend a license, registration, or permit for a period not exceeding 10 years; may revoke a license, registration, or permit; may impose an administrative fine not to exceed $5,000 for each count or separate offense; and may issue a reprimand, and any or all of the foregoing, if it finds that the licensee, registrant, permittee, or applicant:(h) Has shared a commission with, or paid a fee or other compensation to, a person not properly licensed as a broker, broker associate, or sales associate under the laws of this state, for the referral of real estate business, clients, prospects, or customers, or for any one or more of the services set forth in s. 475.01(1)(a).

Hi - for Orlando, bedroom count is usually key, as this area serves multi-generational families in larger single family homes.Look for a good HOA resort zoned for short term rental (ie Windsor island, solara, reunion, encore, Storey lake, etc) and depending on the size of home, most will come with in ground spa/pools, with the exception for the majority of margaritaville units.We do manage some townhomes with a hot tub, and it does well ($75 per month to service a hot tub), but beware as an investor that guest nightly rates for townhouses and condos will be much lower than houses, as you are starting to compete with hotel chains when you start talking about 2 or 3 bedroom investments. 

That counts too!

That counts too!

I never count reserves in months because I think about what could break or will need repair.