This is precisely why I said the value of earned income will not increase, which is why I said receiving income from rents would be a mitigation strategy.Thanks,

There are plenty of much more precise methods out there, but you lose the simplicity to gain 5% accuracy.

Too many variables to answer this question with a precise answer.But, you can automatically assume that rehab loans will be 1-2 points higher than a conventional loan.PM Sent. 8)

@Jon HoldmanSorry for being too precise.

While you will not have as many expenses in the first few years of a freshly rehabbed or banks new build,you will have them eventually,thus, the rule is in place for the long term.That said, this rule is again, an average and to be more precise, the rule for single family to 4 unit buildings will likely average closer to 45%, but apartment buildings were also included in this rule of thumb and thus!

Following @Dawn Anastasi 's advice I made my goal more clear and precise.

Now, loan investors are buying paper for the precise reason to play the upside. 

If I got that number on proforma I would likely be adding 50% to that number until I had more precise information.

I couldn't find posts that fit my situation precisely, which is why I'm posting here.My goal with REII hope to build a portfolio over the next ~5 years that will allow me to return to public sector employment without facing a significant hit on my salary.

Precisely.