Each bank will have different rules, since each bank manages their money slightly different, so do try to get 3 sets of numbers from 3 different lenders to compare.2. 

You can get exception if the property was recently acquired although this rule is going to change pretty soon. 

Any advice or just moral support is always very much appreciated!

Thanks for the support.

I need YOUR support on this venture.

I think it is a great idea to bring together like minded people in your age group to learn together, support each other & to read & discuss the same books concepts etc.  

I am looking for a creative solution to get around the 2 year freelancing income rule.

I like to go one step further when I mail to an LLC & go to the state corporation site and look up the owner's name and address and mail directly to them so that it's more personal.my rule of thumb when mailing to anyone not titled personally is to limit the mail to those properties that I have a real interest in and not a blanket mailer.

Both replies support the direction I am leaning, but it just helps to have others' opinion of my background and therefore how I am going to proceed. 

@Nancy Wang HUD occupancy rules are 2 persons per bedroom +1, so essentially you could have 11 people in your home.