If you are a doctor with proven income or a contract, the bank makes incredible deals that they wouldn't make for me. 

The ground floor was redesigned for retail units, while the upper floors were converted into modern, open-concept office spaces.Modern Amenities: Introduced features like energy-efficient lighting, upgraded HVAC systems, and high-speed internet infrastructure.Aesthetic Upgrade: Refreshed the façade with contemporary materials while preserving historical elements to maintain its character.OutcomesIncreased Occupancy: The property went from 40% to 95% occupancy within six months of renovation.Higher Rental Rates: Upgraded spaces commanded rental rates 30% higher than before.Enhanced Property Value: The property's appraised value increased by 50% post-renovation.Investor's ROIBy investing in smart architectural design, the investor not only revitalized a neglected property but also significantly boosted their ROI through higher rental income and property appreciation.

Sterling,Each lender is different on how they calculate income and also what overlays they have that can cause a bad income calc. 

Most of these program qualifies borrowers with income and very few DSCR.

You fill out an application, provide proof of income, credit report, list assets, list liabilities, and so on.  

Because of the additional income I am producing through the consulting business, I am afforded the opportunity to invest money in real estate.  

The use of the accelerated depreciation strategy helps real estate investors to reduce the tax liability immediately which therefore increases their bottom line due to the offsetting of income.

Otherwise, broker classes that lead to a real license are cheap.If you want to become a real broker, earn a real license.

Investors can benefit from steady rental income, especially in high-demand areas like Midtown, Corktown, and downtown Detroit.

I am not saying 25% threshold, I am saying they should work or have another solid way of income and can contribute a healthy portion of the rent.