These are almost always based on debt service coverage ration (DSCR) which shows the lender NOI vs obligation as a ratio to make sure it is sound loan.

(if that's what you are going for) are you going through a conventional lender or will you be using a DSCR - Debt service coverage ration loan?

The debt to income ration is one reason, another is having the ability to make a loan payment on a rental, and get on a budget that will accelerate your move into the investing world.

I am very worried the tenant will purposely  destroy the property.They are new tenants and 1 year lease started on beginning of June 2021.He was great in credit score, landlord referrals, background check, ration to income, so I am very disappointed my screening process failed bad.Thanks a lot!

All the deals I am seeing up here either the seller is unrealistic on pricing, or buyers are bidding up properties past any sort of rational price.

Over the past number of years, how many investors rationalized their lack of cash flow by saying they were building up equity, only to find that the economy didn't want to play by the same rules?

:) Clearly this topic is way too touchy and political among real estate folks to have a rational discussion. 

if you have continuous deposits in your bank account from a side hustle you can get non qm loans but understand theyre at around 9-11% apr right now and dont really make sense for turn key investments at the moment. types of nonqm loans are:portfolio loans 3-5 properties minimum if you find on ehtat really does do this lmk.. its posted on every lenders website but they don't really offer it... its not real imo lol....bank statement loansDebt service coverage ration loans youtube this its super complicated honestly...sba loans I'd recommend two options for you. 1) flip 3 buy 1 repeat in your back yard where you live.   

Something most, if not all landlords go through at the beginning of their career is the rationalization of putting a sub-par tenant into one of their units.

The only rational thought you might have for your reply is that you believe Mark's post to be a waste of time.