The easiest fix would be to show them they are double counting it and fix it on their end, but if they are digging their heels in maybe look for another lender and explain the issue up front.

Technically this isn't a "debt" (unless you don't pay), but it's still included as a "monthly liability," and there is no arithmetical difference between "debt" and "monthly liability" when calculating DTI.An IRS payment plan for your income taxes (common for folks that had a sudden spike in income) is another thing that's included in DTI that does not appear on your credit report.Between the lines in some posts on BP, there is some fuzzy notion that if it does not appear on a credit report, it "can't" be counted.

1 or 2 empty units, or a spike in property tax and you're toast.Why did you have to put down 50% (!!)? 

The tenant might dig in their heels and you'd really be in for a fight.  

So far I've been able to gain an average of .17% extra equity with each payment, with occasional spikes of up to .5%. 

Lead based paint regulations spiked up the cost of painting and like mentioned above it might actually be more expensive to scrape and paint vs. vinyl siding.

@Ben Leybovich  well Crap I wrote out this nice long reply and some how the heel of my typing hand erased it all so this is the abridged version a second time.Lets look at it mathematically.100 markets in the US that will support a realistic wholesaling campaign or flipping business.Guru does 12 shows a year  X 300 at average bus tour event ( the ones I have been too are about this many 7 to 9 bus's).. that's 3600 students they unleash fully trained a year.. divided by 100 markets and that 36 students per markets and 20% succeed.. so 5 to 7 a year come out of the training and make a living.Now lets look at BP.. 350,000 members are all here.. that's 3,500 BP students per market and lets say 2% succeed  that's 70 students per market..

Every time it comes up in the news it spikes, then levels out, and/or goes back to my buy $$$.

Just like it came to heel in Chicago.

The pipeline of apartments coming on the market is spiking in 2024, but will plummet in the coming 2 years.