If you are getting a conventional loan, then this many hurt you since you decreased your claimed revenue which would have an effect on your debt to income ration and in turn, the max loan you would be able to qualify for.

Rationale is a loose term in baltimore city, which is nowhere approaching rational.

A normal rational person would put her on there or left but no he decided to fight this one out all the way to the court date. 

You can qualify for a larger loan with a house hack too because you can use 75% of the gross rental income from the units you don't live in toward your debt-to-income ration (provided you hire a property manager with more than two years experience)!

You are trying to rationalize the irrational.

There are lenders who will do DSCR loans down to .8 but that has to be for a property you are going to rehab.  1.25 is typically normal but I would look at the property being a higher ration as you need to make a Profit.

Curious how you were able to rationalize the investment and Airbnb strategy in that location.

Latest gig is as an IT architect -- helping customers with app rationalization and moving their workloads from on-prem to the cloud. 

Some of this may not come as a surprise to you but it sure did for me. 1) Banks want your Debt to Income ration Lower than 43% 2) Banks look at already owned rental property as more money than you actually have.

Combining FHA, a large seller credit, lender credit and tax pro-rations we were able to bring less than $6k to closing on a 380k purchase price.