So the bottom line is your certainly free to voice your opinion, just don't count on me to follow.

You may want to confirm with someone more experienced, however it is my understanding that once you have two years of rental/landlording income on your tax return you can count a portion of the rental income in your debt to income ratio for conventional lending.

You can't count on appreciation, but in those markets, that is the only way you will come out ahead. 

If so, bedroom and bathroom count is something to consider. 

It's residency that counts and can make a difference.

However, I am confident that there is a reason that the appraiser did not count the extra BR (either not permitted, not proper egress, no closet, etc.). 

Setting aside the physician-specific things, I can count on one hand the number of times I've seen a current full time college student qualify for a normal mortgage, excluding those times they were married to a spouse (or otherwise had a coborrower) with income.Good luck.

I didn't realize that the health industry actually counts as industry for an area.

If this is ongoing only for primary lease term count the number of years times the leasing fee and request a credit from the seller before closing.

Unfortunately foreign money or income doesn't count.