I used the 75% rule on the income and added it and my DTI without the rental goes from 24% to 38%.Or does it just allow me to just take the net profit of that rental and add it to my rental? 

In addition to cheaper prices through Minoan, they set up a site for your property with affiliate links in it. 

We have no debt and good credit scores, do we have any options for making this work?

The only time we need additional information is if they are denied.Once accepted, we tell them exactly what we need from them to move in. 

You are still going to get the best rate possible with your significant down payment and with good credit I'm assuming.   

@Stefano Vrolijk it all depends on your credit history, whether you have an SSN/ ITIN and how much you can put down.

if there is appreciation, but you wouldn’t sell your current home tax free and buy a neighboring home to rent out, (There by raising your cost basis for additional depreciation and lower capital gains tax.) then it probably doesn’t make a good rental property. . 

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

In addition, Pace Morby's team could have systems in place to vet the deals for which loans are sought.

Credit score- the higher the best. 760-780+ generally gets best pricing for investment property loans with most lenders.