These problems are rarely solved by any app...they require Actual Intelligence, not the Artificial kind.

Paying down a rental income property mortgage is a very high price to pay for what is essentially artificial cash flow.

There is a new documentary (From the maker of "Enron - The smartest man in the room" ) called "Money Driven Medicine" that documents the exact issue.For a little taste go to ABC Nightline site http://abcnews.go.com/Nightline/and click on "Health Care Sound and Fury"

There should be an immediate investigation into how many other banks are currently taking advantage of this artificial scheme to manipulate and misrepresent their cap ratio, and just why the New York Fed can claim it had no idea of this very critical component of the Shadow Economy.

But, when the FICO became all important, it didn't take long for people to learn they could game the system and artificially inflate their scores.

Quite honestly, I am a bit embarassed for the lack of research US based medicine has done in this area.

They artificially take on extra risk just to lose less, if you can figure that one out.

If the real estate and businesses go together, then that rent number is an artificial number that was picked for a tax planning purpose and is completely arbitrary. 

The IRS doesn't want you artificially inflating cost basis a 3rd party appraiser even though it will cost money is probably a good way to go.

So the demand isn't artificial, it's legit.2) Low Inventory: After the recession building stopped.