Hi - you sound like a perfect candidate for the "DSCR Loan" option - its the loan type thats popular wwith investors and one of the big reasons why is the exact situation you are describing - running into DTI troubles. 

If you rent the basement room to someone or market the house as a whole counting the basement as a bedroom and a fire breaks out and someone dies or is injured in the basement without an appropriate egress from the room you could be liable for all of that.   

Is it a popular area for STRs?

The Midwest seem to be a popular choice in the chat along some areas of Texas are also good to consider for example, Austin or Dallas-Fort Worth.

Hi Saju,Well it is an exciting market with lots of future developments happening, all aligned with the popular Dubai 2040 vision.As for how the market is for US investors, there is no local tax on capital gains, or tax on rental income.

Not understanding that...The $41.45 is what's called a Resident Benefits Package, and is growing in popularity in our industry.

. #2: When Bitcoin hit the very "popular" stage, do you think US govenment will let you stay anonymous forever?

I'm in several co-living groups, and the rent by the room model is getting more popular.

https://www.biggerpockets.com/blog/short-term-rental-loans-a...DSCR Loans: Terms to Know When Working With These Popular Rental Loanhttps://www.biggerpockets.com/blog/dscr-loans-terms-to-knowWhat’s Next For DSCR Loans?

It is the most popular software in the industry, and most Tax Preparers are familiar with it, which makes tax season easier.My Recommendation: Spreadsheets are usually fine for your first 1-3 properties. 3+ properties, you should use a software.