Use tax benefits like depreciation, repair deductions, and tax-free refinance proceeds to offset income, and consider an LLC for liability protection.

Managing a rental yourself can be time-consuming, especially if you're handling maintenance, tenant relations, and lease enforcement. 

Home went to tax sale county kept excess proceeds.

Our cleaning fee covers professional clean, laundry service, and consumables. 

DTI ratios are generally used in consumer/residential (aka primary) mortgages when the property is in your personal name.

Being fairly new to land lording I felt the need to gather a bit more insight from other seasoned professional with how to proceed, but you're absolutely right. 

@Pixel Rogue The cash out proceeds should be for business purposes such as investing in another RE project. 

Rather than use credit score as a criteria, I reject for consumer accounts in collections and unpaid civil judgments.

The proceeds could be reinvested into something with better returns or even used to simplify your finances(Like Bettment still offer 4.75% for new customers, and you don't need to do anything!).

Go ahead and proceed.