membership is something like APPL which is just non regulated group of private investors working on best practices but there is no authority behind them like  state license or NMLS registration has ..

Freddie has similar intricacies, but also does not require a two year history of receipt; https://guide.freddiemac.com/app/guide/section/5306.4If you can use the rental income to drive the DTI down so that you can reduce the down payment similar to that of the FHA product, the benefits of the conventional option will outweigh the FHA option, as I'm assuming you have a strong FICO based on rate quoted with no points.  

Also consider contacting houses that look vacant, simply door knocking in a neighborhood that you are interested in and talking to the homeowners in a genuine way, For Sale By Owners is another potential, using an App like Nextdoor or Facebook pages/groups related to local real estate and just telling the group what you are looking for, contractors also know about houses coming on the market soon and so do property management companies, and finally garage sales are a good way to find off-market properties as people prepare to sell.To Your Success!

The plan is to put the rentals in SCH E of our joint return and file with TurboTax-We live in Florida-Leases under my wife's name, Airbnb app under my name, dedicated bank account for all rentals activity in the name of both-We have umbrella policy for liability protection for the rentals-We leverage some contractors (for example cleaning lady for the Airbnbs or lawn maintenance guy) that we pay >$600 for their services in a year and they are not our employees.

You GOTTA use WIDE-angel photos. many phones have great features for this now, or there is app's for it, or lenses, lens adapters. get something, anything, or buy a new phone that does it.

It took me longer to set up in the app than Airbnb or VRBO/HA, but it was very thorough.  

You should get these things for all applicants:1. rental application with employment reference and personal reference2. credit3. past landlord reference4. check for eviction historyMost apps like RentSpree include all this in what the tenant pays to send you a report.I cosigned for my daughter and her boyfriend on their first lease.

Or you excluded something from the actuals but didn’t also exclude it from the budget numbers to get a true apples to apples comparison (yes).

Who knows this app for an opinion? 

We provide Internet and a Smart TV, which has all the popular apps (Netflix, Hulu, AmazonPrime, Etc.) loaded on it.