So today I found out that due to my high debt-to-income ration (61-percent) that I cannot qualify for a loan bigger than $100,000. 

It is amazing how some people rationalize things.

But had we not used a proper lender that truly knows STR, we would have really had a hard time getting a loan with leverage that made sense for this borrower.There is another alternative, using no ration DSCR loans. 

Said Americans rationally don't do the work that slave wage earning illegals do.

While you are not above rationalizing other debator's personal attacks, you do not engage in them yourself and I respect that.

Resist the temptation to remain in old habits, and have the strength to resist even those things you can rationalize as “good” or “higher priority”.

ex: median income $40k med income ÷ 12 months = $3,333 ÷ 1/3 (affordability ration- some will 1/4 to be conservative) =$1,111.

And since it is the government that has this information, it is public record and you can have it too.My rational was that, I would market to this specific list because this was a list of investors.  

Having said that, all problems can't be solved, and tenants with personality disorders do not behave rationally. personality disorders are intractible, and largely unteatable; as a result I work very hard to avoid tenants with personality disorders as they cannot be reasoned with.

Mike, I have read up on your philosophy of 50% and 2% rules and can understand where you are coming from in terms of "safety", but at the same time have trouble finding your rules rational in my case.