The LO I use for my investments can have you pre-approved same day if you submit all the necessary documents (pay stubs/W2, credit report, loan application, bank statements).

Hey Charlice,I am a pretty active LO on this platform. 

They typically have order taker LO's without a lot of experience and they have generally are not going to have much product that is outside the box at all.

So I started researching books on investing and lo and behold if I didn’t find Rich Dad Poor Dad.

They already are given their utility allowance on a debit card instead of via direct payments to the utility companies, and lo and behold, none of them magically ever have enough money to pay their utilities, but they have plenty to host parties drink smoke get llegal pets that trash the place far beyond what the security deposit covers...so I can't imagine how much money is getting pissed away in Florida.

Hey Cameron,I am an experienced LO and would love to connect!

I've have many people tell me that something can't be done but Lo and behold I have met a local attorney already doing it. 

All things being equal (interest rates, fees, etc) I would recommend going with a veteran LO.

Lo and behold she finally responds.

Lenders will use this form to do the math from your tax returns:  https://content.enactmi.com/documents/calculators/Form1038.C...In most cases rental property when the LO knows what they are doing will at worst break even.