Fannie/ freddie have different guides on this, and i do see different lenders interpret them differently. for example, one requires you to OWN your primary residence in order to use rental income on the subject MF, the other will let you do rental income from your MF subject property with a "present housing expense" (rental housing expense being ok) so long as you have a 1 year + history of landlording (which it sounds like you do). maybe ask your mortgage pro if they are giving you credit for rental income from the subject property units?

In hindsight, not continuing to purchase turned out to be very narrow minded.This year, after listening to some podcast episodes, and a presentation at a real estate meet up, I decided I had to reengage, and eventually pulled the trigger on the following deal.Property Details:Location: 13537 Cedar Rd., University Heights, Ohio (Cleveland Metro)Neighborhood Rating: A-Purchase Price: $153KRepairs: $65K (completion expected by May 1)Expected Total Investment: Approx. $225KProperty Features:First floor: 2 bed/1 bath, potential rent $1,200Second & third floor: 4 bed/2 bath, potential rent $1,500Separate utilities and heating/central AC systemsInitially, I projected over an 8% cash-on-cash return.

I want to make sure I have the right information before presenting to a private lender and moving forward with an investment. 

Every state that I've been in has a few basics1. minimum sq footage for a bedroom, the room itself (usually 70 to 80 sq ft)2. closet present in bedroom3. a window in bedroom4. not in basement, and if in basement, must have exit window of a certain size.5.

If you are quoted something else from a lender presenting it as a "DSCR" loan, you should tread carefully, as something fishy is likely going on

Not talking to Josh Gilmore anymore, after the company's  presentation to us we realized the money they wanted from us was not a good investment for us. 

At present, they're about to be three months late on payments for three separate notes and I keep getting told he "initiated the wire"...five days ago. 

Here are the best reasons I've heard from tenants who were late on rent:-'My son used my debit card on some Christmas presents for himself and I just found out and am canceling the orders.

Fits the digital age well. 

MTR in a thriving tech community might mean targeting digital nomads, who are really fun to market to.