lol we are talking the same, lets say we do some input statistic analysis ( i did it before ), so in 2009 the mortgage debt with typical husband and wife working is like 29% ; now that number is going as much as 44% in some cities. also our home price is created using auction systems, if there'e 100 houses in one zip code, the pricing discovery in created by the last 3-5 home purchasers, which indicate 95% of other folks does not necessarily able to purchase home or do mortgage with current rate.Which cause a problem, one household either need to maintain job that can continously paying the mortgage and/or the loyalty of husband and wife is a MUST LOL Having said that, to maintain 1.5 mil homes in bay area for example, husband and wife should not divorce for 30 years at least.But for 150k house in Ohio, the husband can divorce their wife anytime while maintain the mortgage payment LOLHaving said that, getting divorce is very suicidal for financial.but also creating different effect, for single guy, there's almost no way they can purchase home, unless they're cardiologist or any other high income earner LOL (this example is just for fun).In our area the home supply is coming from two sources mainly: people going retirement and want to cash out or separation in relationship LOLGetting separation is very expensive especially if you born in 1970/1980/1990s, I would even argue the moment you are married-->single thus you become the renter class again LOL

So many people never move past analysis!

Market AnalysisMarket Shifts: Have you conducted a recent market analysis?

A good agent will also help you with analysis.

Lenders usually look for established rental income history rather than future projections.Alternative Documentation: Some lenders may consider future rental income if you have a solid lease agreement and other supporting documentation, such as a detailed rental market analysis.

Here’s a detailed analysis to help guide your decision:Initial Costs:Purchase Price: $260,000Down Payment and Closing Costs: $60,000Monthly Cost: $400 for several yearsMarket Value:Current Value: $540,000 to $600,000Immediate Equity: $280,000 to $340,000 (based on the market value minus the purchase price)The substantial equity in the farm can be a powerful tool for your investment journey:Home Equity Line of Credit (HELOC): You could use a HELOC against the farm's equity to fund other investments.

So, I came accross a short term rental market analysis report for the city of Fresno, and found a really interesting chart representing the seasonality of the short term rentals. 

They've got an event coming up in Texas in April called the Deal Analysis Workshop where you can learn how to underwrite multifamily deals.

Also, consider reaching out to local property management companies for their input on rental demand and market conditions.Comparative Market Analysis (CMA): Your agent’s assertion about good rental comps should be backed by a Comparative Market Analysis.

But it does give you a quick reference before you start an in dept analysis.