Sounds like you have sufficient seasoning.

Usually a 1 to 1 or 1.25 is standard..or the $1k needs to be sufficient to cover the PITI of the proposed loan.

I know how to structure deals so I have some (even if low) while I am confident of vast appreciation.

Your not dabbling with "more risk" given your skills, experience and capital, what your playing with is something that the MAJORITY fail at attempting, the VAST majority, and your doing it in a setting that you can't afford what is the most likely outcome; complete financial devastation. 

This will not only protect your personal assets from any potential renter who is looking to sue, but it also will vastly help the underwriters track income when looking to get approved for future loans.

Otherwise a typical DSCR loan based on market long term rents should be sufficient to qualify? 

The risk modelling is vastly different from how a loan is structured, no matter what it is.second, All assets have intrinsic value and extrinsic value. 

It seems to me that these are sufficiently dissimilar endeavors. 

My opinion the most important thing is for the renter to provide sufficient enough documentation that collaborates with what she is saying.

Hi Austin, you can refinance using any of the noted types of mortgage qualification types assuming income is sufficient.