Smaller banks may have more flexibility for other products should you need them down the road. 

For capital expenditures they tend to be larger so getting that fund growing from the start is important to maintain stability.

However, you can refinance into a long-term debt fully stabilized loan at any time.

I’ve purchased 1930’s through 2010 built product and the older product always has more issues.

Bank statements for last 3 months and last years taxes should show proof on stability of rent payments. 

Tenant just moved out, cleaners found they used the wrong type of cleaning product on the stainless steel appliances, causing a permanent discoloration. 

@Matteo GirlandoWe have a DSCR product available to first time investors.

.**** An important note for people with AC Units at their rentals, there is a product that is the equivalent of fix a lot for AC units.  

How much it will affect your DTI depends on your existing debt obligations, income, the mortgage of the primary home you want to buy, and the mortgage of the house hack property.I recommend using the 5% down conventional loan product to house hack and only use FHA if you have to since there are more restrictions involved.

Just a piece of advice if you do elect to pull some cash out is to stay at 60% loan to value. 60% loan to value for most products will get you the best combo of rates/costs on the loan.