Assuming non-owner occupied real estate, you are correct.https://selling-guide.fanniema...Scroll down to "Rental Income Calculation Worksheets," download form 1038.Big picture, you should probably be working with a LO that's familiar with this stuff.

Are you planning to do sandwich L/O or purchase then sell via L/O?

-- lo, and behold.... #2020

Now, I also know you're not necessarily *married to one single LO (though that LO might feel differently, hah), what would make you open up, or consider giving another Loan Officer a shot to earn your business?

https://www.bizjournals.com/lo...Good to get some new builds in the area, but I wonder if the area will be able to support that much inventory. 

Also, mortgage companies have back end processors & underwriting roles that aren’t as glamorous as being the LO but have value for knowledge sake.

I thought LO at first but seems a Sub To all the way.

Here's come context for you:You just spent more time typing this thread up than the LO spent putting in fake values. 

Usually, on a refi, the LO picks title/escrow, and there's minimal interaction between the consumer and title/escrow aside from scheduling the notary at the end.

As the buyer, why would you choose the LP over the LO?