., 900 SQ FT is TINY, I live 10 min from there and will not touch it .36k gross so about 20k net, ( MAX ) all in 375k, TERRIBLE deal 4% net , again terrible

My Airbnb is grossing $45,000 a year.

Specifics such as build-out costs and how they were allocated, lease term (5/10 years), NNN vs Gross, etc would be super helpful. 

On tax benefits, last year we had a tax loss on our MTR business that lowered our personal taxes by an amount equal to 20.8% of our MTR gross rental income.

I think the best returns are properties that are 300-400k that can do $60-90k per year in gross revenues.

So 96,120 gross income lets say 10% expenses (they will add back in depreciation, taxes and insurance) = $7,209 a month x 45% = $3,244 will be your max PITI payment allowedI have a fantastic lender referral, @Sam Sharp, who is also an investor himself. 

There are obviously other metrics that have to be met, such as the gross monthly rent has to be equal to greater than the total principal, interest, taxes, and insurance; that is the debt service coverage ratio (DSCR).

An activity is a rental activity if tangible property (real or personal) is used by customers or held for use by customers, and the gross income (or expected gross income) from the activity represents amounts paid (or to be paid) mainly for the use of the property.

If your current homes have the potential of a total of $4k per month gross : maybe $3k current net, then are you happy with that number in retirement or would you like more like $5k or higher? 

I've been renting out for the last 2 years using that systems (room by room) and it works - gross rental yields at 10% in some parts of Lisbon underserved.