There is only risk/profit exposure calculous.

I do have my VA disability as my "job" income and I hear that lenders will count that at 1.25% for calculating DTI since it's tax free.

The 1% rule is a simple rule which is easy to calculate and describe. 

Calculate expected returns, costs, time commitment, etc.  

Narrow your focus, stop buying properties, and figure out what you actually know really well rather than letting FOMO, spreadsheet calculations on faulty pro formas, and advice of strangers on the internet influence your investment decisions. 

Taking into account home prices and interest rates in 2024, that added cost today would be between $1,800 and $2,800 per year for a typical mortgage holder, Zandi told CNN after updating his original paper’s calculations.

Keep the SD out of the calculation as that is the tenant's money at this point. 

It’s more expensive than PropStream, but the data quality is higher.For ARV calculations, if you don’t have access to the MLS, our Backflip App can provide it (it's good).

The rental income helps you but the way its calculated it gets harder and harder to qualify unless you are a high earner otherwise. 2.

If you’re not factoring in asset management fees and investor returns when calculating ROI, then what seems like a good investment may not be scalable at all.For anyone looking to scale, start by asking yourself: Can my process generate returns that cover passive investors, management expenses, and still leave me with a worthwhile profit?