Stratford is currently declining at a rate of 0.00% annually and its population has increased by 1.43% since the most recent census, which recorded a population of 51,384 in 2010.""

I can tell you that the only other bank product I know is going through the commercial department, and they don't let you live in the house.

Of course we want you to join our brokerage when you finish and become a productive agent when you finish the course.

I have found that different banks count rental income differently - but for each property, the rental income will be added to the income side of your DTI and the mortgage will be added to the debt side.There are other types of non-conventional loan products you may be able to refinance into, which may be more specific to your market and local lenders, as other posters have suggested.  

There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proI really like the alerts feature that can quickly guide you to current topics that may be of interest: http://www.biggerpockets.com/alerts

The final test is maximally productive. 

You could always look into some foreign national products for the States @Adrian York

Or alternatively your agent can connect you with a lender that offers a special product like a rehab loan (not all do) or is better with underwriting self employed individuals.

HOWEVER, the way this loan product is setup is that both loans (construction and permanent loan) are closed on the front end meaning I sign all closing documents.

Personally, I like to provide a high quality product in a nice neighborhood and subsequently, I intentionally have a strong rental criteria 700+ credit etc so I can weed out the tenants I do not see being a good fit.In regards to best practices, I usually do everything via facebook messenger, text and email but I will probably utilize a google web form moving forward.