His question was, if you have a long-term residential lease signed 1+ years and the property is rented out, does the mortgage still count against your DTI?

But the other issues we've run into from lenders is 1) We're a Gc to where the company's income comes from selling our new construction builds - the bank *US BANK actually told us they couldn't count that income at all because they view the sale of homes as "inconsistent". 

Huge piece of advice someone gave me as I transitioned to FT, do not count commission until the deal closes.

Some lenders will base off the "mix" of commercial vs residential by sqft and some will base off of rent, and some will base off of the unit counts, so you'd want to take advantage of the lender/broker that can fit your scenario in the most favorable way possible.Is the property fully occupied?

Defeats any chance at anonymity!

So unless you plan on refinancing within the first year, the refi money doesn't count towards it.OK. 

If you have a lease in place for the property, you can count that towards the monthly expense, but not always easy when you need a place to stay. 

YEs, it's cheating, but you won't be the first who has done this.Side note - I never understood why a college degree counts for S**t towards being a GC.

Cash-flow is great when you're looking to scale unit count more aggressively and appreciation is better for steady long-term gains and wealth building. 

I think this applies to that new wave of people who want to be helpful (and want to get their post count up) so they respond to everything and often leave their lane.Real estate is decidedly local and you don't know where the blocks change if you've never been there or invested there.