They will look at your ability to afford it--having a rental lease in place helps your financial picture, which is why BRRRR advocates have the "Rent" before "Refinance," and they will typically do something like 80% Loan to Value (LTV).  

The best argument for the traditional agent in my opinion is that some individuals have the ability to be in the deal flow, have good relationships with vendors, lenders, escrow agents etc. and know how to negotiate on behalf of the client.  

AppFolio also has the ability to provide access to reports, and statements directly through an Owner Portal.

Ability to split roommate payments?

They have the ability to use that towards qualifying you for a mortgage.

If you do have the ability to move into the home then you should.

My opinion is they can both be profitable and cash flow...but if you have the ability than sweat equity is where it’s at.  

We are just at the Beginning of this economic crisis and there is too much uncertainty around people's ability to pay rent.  

You also can get esign ability via various online apps if you need that ability. 

Do you have the ability to take online classes?