Has anyone tried this paid program - Just Be The Bank: How WE Generate Passive Income & Wealth in Real Estate. 

Here's the breakdown of rental income and expense analysis:1.Annual Gross Income: $25,800 (Monthly rent of $2,150 x 12)2.Annual Expenses: $25,800 * 0.40 = $10,3203.Annual NOI: $25,800 - $10,320 = $15,4804.Annual Debt Service: $10,680 (Calculated previously using a mortgage calculator with a loan of $131,775, 7.25% interest, and a 30-year term)5.DSCR: $15,480 / $10,680 = 1.45 (approximately)

Big banks and credit unions will look at a full DTI(personal income) while others will just look at the cashflow of the property.

They have median household incomes of 52k and 55k respectively.

Investing in short term notes with your SDIRA is a great way to generate income for retirement. 

Has this property been working for a while with a track record of income performance?

Any of these will leave you in a much better position for success, and provide a greater income while you learn.  

The median income is low but the amount of renters is high.

After five years, you'll have earned $90,000 in rent income and gained $34,000 in appreciation.Buy four houses with $50,000 down on each.

@An Lan Having a vacant property just means you're missing out on rental income, which could be a steady way to make money.