As for financing, on a conventional loan if you do not need the rental income to qualify then you would not need to have the property rented but if you do need the rental income to qualify then you would.  

It's not like other markets where all info is online and everything is super fast and easy.

There are only 2 ways, as I see it in the current market, to get actual income/cash flow from a rental property - a paid off long term/mid term property or a well bought short term or rent by the room rental.

Almost all lenders accept monthly payments on line.  

Don’t stress the lower income; house hacking is great because the rent helps cover the mortgage.Both Central Florida and Tampa are great, but Tampa’s been my playground for over 20 years.

Thanks everyone.Annual T4 income: 250K380K in liquid investments.Principle property est. valued at 670K with 250k left owing and 155K heloc attached.Rental 1: purchased 2021 for 220K current est. value at 270K was a house hack with 5% down and $1600 monthly rental income.Rental 2: purchased 2022 for 280K 20% down current est. value 345K rental is $2000 monthly Rental 3: purchased 2023 for 267K with 20% current est value 310K rents for 2100 a month.

Quote from @Matt Bridgman: I believe the LTV for investment side of UWM's HELOC is 75% and it will be a full doc loan so their will be income qualifications.

and also like what I do Utilize as STRs: You furnish and list these properties as short-term rentals (STRs) on platforms like Booking.com or Airbnb.Generate Cash Flow: The higher rental income from STRs, compared to long-term rentals, allows you to cover your mortgage/lease payments, generate positive cash flow, and potentially have funds left over for further investments.Positive Cash Flow: STRs often generate higher rental income than long-term rentals, allowing you to cover your costs and potentially profit.Tax Advantages: You can often deduct expenses related to your STR business, such as mortgage interest, property taxes, and maintenance costs.

What's left after subtracting the expenses is your Net Income. 

That was their words- not mine.I remember watching a video done by the National Real Estate Investor Association online interviewing Ohio ( I believe) real estate commission.