The Self-Sufficiency Test does not pass the requirement (PITI ≤ appraised rent x 75%).I got in contact with another Lender B who is telling me the self-sufficiency test is required only when you need the rent pay back to supplement your income as qualification for the loan.

Are you looking for long-term generational wealth or just some sidecash to supplement your current salary?

I’ve been a real estate investor since Moby Dick was a minnow, and I've been satisfied with the 7K supplement to my military retirement.

The real problem is is I have no defined goal do I keep and let this little house supplement my income in my later years, cash out,invest elsewhere.

While you are occupying the property your mortgage is being supplemented by the income income from the other units even though you are not cash flowing you are making money as a form of savings .

@Jared TownsendThanks - with the $100K liability coverage limit, why not supplement that with an umbrella policy?

I want to own property that brings in some cash flow that will supplement my current W2 job with the goal of retiring early.  

If you can't supplement on nursing sites (like furnishedfinder.com) then yes you might have to convert to long term rental come Sept but this would give you the summer to try and make the difference if things open up. 

Rentals to supplement your retirement income are an obvious option.

Depending on the turnaround you. an supplement you rehab cost with credit cards.