Your ability to put money in or required credit will vary source by source.

Elance & oDesk are being acquired/rebranded by Upwork...Upwork  also has a recruiting team that can help you find a great freelancer based on your job specifications, budget, required skills, etc.The recruiter will source and invite freelancers who fit the requirements to apply to the job and shortlist the best applicants for you to interview and hire.

So the underwriter looks to see where you are now with ALL sources of income and debt vs where you'll be after the purchase  and applies their maximums appropriately.The brokers I have worked with would not allow the 43% DTI as in your scenario, @Justin R.So the key is to either buy a rental such that it does not send you over the maximums or reduce your other debt or increase your other income until the ratios work.  

On a recent short sale we did, there we had to sign a form certifying that the seller would not continue to occupy the property through a lease or otherwise..What is the source of this prohibition and why?  

is vulcan 7 a lead generation source that i cold call?

They got to the deal first or they "sourced the deal" as we call it in the industry.  

Maybe save that for when you have accumulated some serious equity and plant roots there?

The Gap lender's rates are typically a little higher than the lender in 1st position.Another option is to work with a lender that allows the down payment/skin in the game to come from other sources such as Seller Carry Back or Cross Collateral.

Dominik:Could you point me towards the source of that statistic: "...in Canada more than 50% of "Rent-to-own" deals fall apart"?

A wholesaler basically sources the property for an investor and receives a "finders fee" for their work once the property is closed on by said investor.