Hope this helps for now, and great to hear you are paying attention to your hard earned retirement funds with such care and discipline! 

This is one of the things that @Matthew Irish-Jones mentioned above - be careful about putting #3 on his list above #1 and #2.

I like using these for just this case.Another item to consider is since this is a 2nd floor I wouldn't be that worried since the 1st floor will heat the 2nd floor enough to not allow frozen pipes.I would also talk to an HVAC person because I believe they can also put a device to cycle the heat a few times a day or even put a secondary thermostat in the apt to take care of the minimum issues.I feel for you because otherwise you have a great tenant.

Easy to tell that he is authentic & cares about people.Casual Fridays REI.

The IRS doesn't care which of you is on title.

After reviewing your application, we’ve determined that, unfortunately, we are unable to move forward with your application at this time, as it does not meet our established criteria for income and (other established criteria) We appreciate the time you took to apply and wish you the best of luck in your continued search for a home. 

Take care of the hard job first.  

You can still use a property manager for on-site tasks, but your own activities—like managing bookings, marketing, and bookkeeping—must be well-documented and exceed the property manager’s time.It’s important to carefully track your hours, especially if you’re managing remotely, as this can face additional scrutiny from the IRS.

Owner shouldn't care about your DTI.

Your account with hundreds/thousands of reviews is the biggest asset!