DSCR loans won't use your income to underwrite the loan.

For example, require a minimum FICO score of XXX, gross monthly income X times the rent, and verifiable income for the last X years.

I feel like by the time I can withdraw without penalties, I should have enough cash flow and appreciation that my "retirement" years should be taken care of.I'll have to see what happens when it comes to lenders, I guess.

Make sure you’re consistent with what you’re looking for in income, credit, and references to avoid any potential discrimination issues.

Cosmo - I personally don't know Phoenix well, but if I had to do this in another city I would look at income levels, crime levels, and population growth (if you can) by zip code and/or area within a DMA as a starting point.

At it's basic level:Assumption: Asking the bank to turn the loan over to you and going through the normal underwriting process, credit, income, DTI ratio etc SubTo: Taking over the loan without telling the bank, no underwriting, no credit check, no income verificationBoth have risks, but it's not my intent to be detailed in this post.

However, before you do so you should ensure that your revenue from rental income covers ALL your property expenses in the townhome, including mortgage, taxes, insurance, maintenance/repairs, vacancy, property management, etc...

I paid for the subscription for a few months and drew my own custom Google maps areas and color coded them red/yellow/green based on a "grade" I felt came from a few metrics like crime/average household income/etcI also really like realtors dot com new maps, if you search for an address and click on the map and then go to the top left and choose the Value slider it will give you a nice color coded map of which areas of a neighborhood are higher valued.

Look into a DSCR, Debt Service Coverage Ratio, loan where the rental income can be used to qualify the cash out refinance instead of your personal income.To Your Success! 

I would define a wealthy person in America as $300,000+ annual income and at least $3 million net worth.