Big Banks like Wells Fargo, BOA, Citi, US Bank, and Chase utilize lending programs aimed to service large swaths of depositors.

You need to work with a lender that will utilize STR 1007 Data and/or AirDNA Income on a REFI.Tough deal but we do this consistently.

There is the Experian Boost that adds monthly utility bills as credit and various apps and facebook groups.

Utilities will be among the first in for cleanup actions. 

Out of that voucher amount, they will have a utility and appliance work sheet that provides a cost for each utility or appliance not provided by a landlord for each bedroom size.

And what strategy are you looking to utilize of investing? 

The first apartments I rented as the owner, were previously rented by the former owner at $150 month including utilities. 

It took a little bit for me to understand how to best utilize them team since there are a few different people on your team. 

Not to mention they wrote of over $300k worth of taxes for me utilizing a cost segregation study. 

There's a few different ways to focus on a lower rate such as with house hacking and making the investment your primary residence, requesting a significant closing credit from the sellers for standard rate buy-downs (which I've had great success with recently), or utilizing lenders who offer short term rate lowering solutions such as 2-1 rate buy downs (again, ideally paid for by the sellers).