Spoke with multiple credit unions and they mentioned a rental property needs to show at least two years of rental income in order for that income to be counted into the DTI ratio. 

Is there a way I can structure the deal where even if I am unable to make payments, nothing would happen to my credit/record?

They need a well-designed workspace, ultra-fast Wi-Fi, and long-stay conveniences like a washer/dryer and a fully equipped kitchen.Why This Matters for Your ROI:When your STR feels tailor-made for a specific type of guest, it stands out in a crowded market—leading to higher occupancy, better reviews, and repeat bookings. 

Have good credit.

Before committing, I’d highly recommend researching demand in your target area and connecting with operators who already run similar rentals there.A tiny home or glamping concept could be a huge hit in a market where it’s fresh and unique, but in areas where it’s been done before, you’ll need to bring something innovative to stand out.

Has a massive stand of desirable trees (hardwood would be a must) Oak, Maple, Walnut foresters wont even bother unless you have acres and acres of harvestable trees. 

However, the DFW area stands out due to its stronger appreciation, rapid population growth, and overall economic expansion.

Do you have access to a credit union?

@Jaycee Greene for right now where I'm standing financially 5-10

So for example, a 761 credit score will be in the 760-779 credit category, then going down to 740-759 and so on.2.