It's either self-manage, or full property management, while I need something in the middle.Some more details on my situation:I own an STR in Gulf Shores, AL and the vast majority of it is automated.

Equity and retirement assets wont do anything for DTI unless youre retirement age, have a plan in place to create income via IRA distributions, and have a sufficient balance for the distributions to continue for at least three years. 

The vast majority of investors have W2's.

And we all know this simply is not true in vast majority of cases. 

I've found their free version to be totally sufficient! 

Unless the land had such a signifacant value like over $500K you might find a private lender to put a junior lien against it if you own it "free and clear".I have seen some private lenders offer a higher LTV even 100% if the collateral is sufficient, but again land is tough to resell unless its commerically zoned in a great location.  

The vast majority of investors don't need it or have a use for it, it's better to use an agent when needed.

This is a staggering difference to the RE agent landscape where vast differences in knowledge and performance seem to have almost no effect like the consolidation effects you can observe in almost any other industry. 

I know this from vast experience in the space..

@Alan Lacey so if someone had no job they would still be approved for any cashflowing property that brought their DTI up to sufficient ratios?