As an UAlbany Alumni, heading up recently I noticed a lot of movement and growth on Broadway, with the cider and cross fit etc. springing up.  

I have the opportunity to purchase a duplex property built in 1990 for $400k that would net maybe $1.8k, $3.0-3.3k if you counted the unit I would be living in.

Additionally, the final report counts as a public source, non-specific to a particular buyer, and not in violation of any protected groups under the Act

Total is $2600 collected for rent, not even counting what they pay in utilities.

You're on the right track with the higher bedroom count since it can give you additional ways to rent the place other than just a single lease if things get tight. 

If you are putting 10% extra directly towards the loan, then sure you could count that.Also, I forgot that in your original calculations you should include other upfront lender costs, e.g. closing costs, points, etc.

Dionne  I'll actually be moving to the Jacksonville area soon so perhaps our paths will cross.  

this does not count money I made from my main job. 

It's basically a database tool with the focus on collaboration (which of course is optional) and cross-platform usability.

A potential lender told me if i put 10 percent down my mortgage payment would be about 2300 with todays rate and counting for pmi.