The house will be used as a short term rental.   

I’m not an expert by far but I have 4 long term rentals and just had to find tenants for two and it didn’t take very long.

I live in Los Angeles, so it makes things tricky in terms of flips and in-state investing.

Certain lenders will understand the travel healthcare pay better and might be able to qualify with past W-2s, pay stubs, and contract terms. 

Short-term sacrifices and delaying gratification will bring you abundance later in life.Definitely take advantage of your first-time home buying benefits and consider house hacking a duplex or 4-plex.

You wouldn't buy a long term rental with 20% down in NYC or San Francisco and expect it to cash flow.

We run a debt fund and focus on short-term mezzanine funding mainly. 

So if you can target a little nicer property you can enjoy better interest rates for your long term hold. 

I've found Kiavi a bit better for the short term fix & flip (lower fees) and LendingOne a bit better for the 30 year DSCR (lower rate). 

If they had required landlord history to use rental income above just offsetting the payment and rental income resulted in qualifying dti I guess, but that would not be a common scenario when using long term rental income.