Matt that is the NMLS number for the company not for you personally  sounds like your a VA or something not a licensed lender..

Third, the typical person renting a room is not a home buyer candidate. 

This is one of the best personal finance calculators I have seen. https://docs.google.com/spreadsheets/d/1oC4gdK5gXIPjyEFTgo3g...

This is my first personal mortgage so I'm trying to learn the game.

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

I've done this personally and have helped a bunch of other investors do the same.

As noted above, having an agent that is familiar with investing can help in how the investing market looks versus how buying a personal property looks.

When I encounter this type of client, I do everything I can to convert them into one of the previous clients.First thing I have them do is run all their income and expenses through a separate account instead of their personal account. 

@Tanner Davis If you want to pursue either a fix/flip or BRRRR strategy, it sounds like you might need to find a partner/investor that knows you well and believes enough in you as a person to invest money in a project. 

You do have to get a good cleaner and handy person which can take some time.I agree with HOA's.