And are you factoring in some kind of cushion in case a recession hits while you are counting on this income?

I know that it take 10,000 hours to master this, and I can't only count on my book knowledge to get me there!

The folks with pensions really can't count on it staying in place as promised.

While I can't speak for other lenders, I know that we do not require two years' rental income before counting it.

Sometimes the college courses will count toward the state credit requirements.

I recently moved from a B area built in 2006 sold for 176k and moved to an A- area built 100 years ago across the street from new construction selling for $170 sq/ft If average rent is $750 and it rents for $1000 probably B, rents for $1500 probably A; assuming similar bedroom count.

Basement bedrooms that do not have proper egress based on the latest codes are not counted toward the number of bedrooms.All that said, I don't like this sort of property at all. 

IS the depreciation of that particular property counted againST our DTI ?   

The second mortgage (new house) will be underwritten with the same FHA guidelines as your first, however, your debt-to-income has changed and the mortgage on the first house may be a drag because you can't count the income until you're seasoned.

Hi @Cameron Bremner,You can count your college education towards your 2 year work history as long as what you went to school for is in the same field / related to what you're doing now in work.