If you purchase a newer property that has been recently and properly renovated, you may consider using a lower percentage.The biggest impact on your cash flow will come from the property’s location.

@Loan NguyenRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a Class A property in Class D area, what quality of tenant will you get?

The majority of investors I work with after using this form more or less break even on the rental business which makes it a non event and very little impact to your debt to income ratio.

@Sonja Revells Real estate investing can be seen as higher-risk by lenders and Dun & Bradstreet (D&B), potentially impacting your credit terms.

There are “no points” DSCR loan options but most likely for a higher rate that will impact cash flow.

Option A (continue renting) offers stable, inflation-protected income and potential appreciation, but managing the property may impact your retirement comfort.

I guarantee they're going to have good answers for you on minimizing the impact of taxes and exposure without breaking the law.  

Maybe "a friend" used your computer and impacted the algorithm...

Analyzing the impact on your overall financial health is critical.

I've posted  this before but hope this helps dissuade you from relying on this technique:Expenses disproportionately impact lower rent collecting properties.