Hi Tom, This is a unique situation - some lenders may allow this as a departing residence excluded from the debt to income ratio. 

Some lenders may be more aggressive and count the 75% from the leases now.

Here is a list of lenders specializing in this:https://www.biggerpockets.com/member-blogs/2810/50272-list-o...

Many lenders will not do a DSCR loan unless cash flowing.

Please feel free to contact me privately or follow my journey on social media, where I've been actively documenting my experiences since 2019.

So instead of paying off a car if you only have 10 payments left or can pay it down to 10 payments banks/lenders (omit) ignore the entire payment which helps lower your debt to income ratios DTI.

Was an REO property that I bought with private money for 300k.

hahaMicro economics are always different to macro and investors that solely rely on online market stats/demographics will miss the point.Online stats and demographics will never beat "feet on the ground" and real life day to day knowledge of what happens on the ground.For example, we know when a mosquito does a fart and Mike P always messages me privately about what new strip club is opening in Toledo and when heheOnline stats never reveal such things haha 

I had a hard time finding a lender that would lend on this due to the two dwellings for one loan, but the realtor suggested Southwest Funding.

The contracto I used needed baby sitting and the attention to detail was lacking so half way through the reno I was more particular and communicated my expectations clearly and ofter Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?