Dark red is $30K or less, bright green is $150K or more, and the gradients in between represent median incomes between $30K and $150K.The arrows represent median income growth over the last five years.

I recreated it in Google Sheets, you can see the formula I used and the result in green in the screenshot below.

As you can tell I am more green than green and would appreciate any insight on this.

I'm just starting out here, but to me they have just given the green light to invest more aggressively. 

@Jonathan Greene, thank you! 

Refinance to get slightly in the green as a rental, and delay the purchase of a new home, which would become a rental in the future, or leave as is and keep the cash towards future down payment?

Hey BP, as we all know David Greene preaches one thing (well many things) SYSTEMS SYSTEMS SYSTEMS.

In order to get a green light both of these need to be met, and in order to help the DTI ratio, I can use predicted future rents at 75% wrapped into income, but only if I have a 25% equity or 6 months of cash reserves to cover both homes.

We are both pretty green about what a good seller financing structure would look like.  

I believe David Greene uses something similar to package a group of cash houses into a loan every so often.