Great rental income, strong FICO, low LTV (60% or below), strong liquidity and PFS.

Through proactive maintenance, efficient tenant placement, and careful financial management, I optimized rental income and ensured a steady cash flow.

Traditional financial planners make the bulk of their income from commissions on stocks and bonds, so real estate will often times get dumped into an "other" category that doesn't get the proper attention.In my experience, we did receive a lot of help from real estate agents that are able to help us with our upcoming transaction, HOWEVER, they aren't setup to support the overall plan design in a way that was centered around the most important financial kpis.  

But with that one lender I found I am not lendable due to not having proof of income for the last two years.

If you can’t do a 1031 to a non-income tax state, figure out a year when you will have lower income and tax rates ar as low as possible.

Don't change jobs or income yet.Once you do and you think you can manage the payments based on your new income, maybe once you get the rooms rented.Then if you want to switch there are plenty of opportunities. 

For investors, this can mean boosting rental income or increasing the property value significantly.

If you are looking at this property from a residential and rental perspective, then it may work as long as you are willing to put your own income into the property. 

We’re looking to increase our lifestyle through the decrease in housing and built a little passive income medium term. 

@Byoung Bae would NOT recommend an inexperienced investor try to DIY manage OOS anything other than a Class A rental.The odds are against you and you will statistically lose a LOT of money.Read below for some friendly advice:-----------------------------------------------------------------------------------------------------------Recommend 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 property in Class D area to Class A standards, what quality of tenant will you get?