I applied for a Heloc once got approved but last minute declined to sign they will only give my about $45k my home was under evaluated and the %85 the banks do didn't make sense and variable rate and as high as 7.5% with monthly payments...shoot at that time applied I had a fixed credit card and still do 6% fixed for 25k why would I let someone put a Lean on my home for that amount.What I am trying to do is get some money to build a second home on my over 1 Acre Land so I can rent it out to pay for my low Mortgage as I am up there in age now 58yrs old.So found this investor company that will give you 100% of what you owe on your Home vs what the Current Value is with NO MONTHLY PAYMENTS. 

All of this, just to get the house ready for inspection; and then there are still a handful of unknowns that could kill the deal during inspection.On one hand, it seems crazy to invest that much time/energy/money into a property just to get it ready for inspection.On the other, it seems like a silly variable to potentially kill the deal- I've gotten seller down on the price quite a bit and I do feel pretty excited about the property from what I know about it so far, but the projected rehab budget is already stacking up and I'd like to have as much info as I can possibly get regarding other potential rehab costs. 

We have to take a 24 months average and you have to have worked as a travel nurse 18-24 months to use your variable income, but if you work for the same travel agency, that is most streamlined and you are typically W2 as @Chris Allen mentioned.

It is driven by supply and demand.

(courtesy of a bigger pockets member for creating the Vacation Rental Analyzer - Cash Flow Analysis)However, the water supply to the property is from a well and shared with other 3 neighbors.

You'll find a renter due to the demand and limited supply here but it may just take a little longer to find that tenant, which means that will be longer that you have to pay the monthly PITI.Also, are you positive that the expected rental income for a house that price in this area will be enough to cover the PITI payments and property management expenses, let alone have enough left over for CAPEX and vacancies?

My idea isn’t so much to predict rates but rather to play around with some variables to see how the numbers could look over time.

It is often measured as a % of sales to understand how expenses relate to revenue as a variable cost.

Supply – down significantly- New listings are down 24% from Dec '21, the fewest new December listings on record.- There are 10% fewer homes for sale than Dec '21, the 2nd lowest month on record.

If you could find work in this environment, maybe a builder....where you will meet all the trades...or a city code inspector....so same thing you meet all the trades.Otherwise maybe working in a supply store where you also could meet all the trades.Another alternative is a project manager for commercial construction...that's still moving strong here.Lending I would think would be super tough right now.