@Ryein Goddard You don't need two years of experience to count rental income.

This changes the basis of valuation from return on investment (how investors think) to mortgage availability/affordability (how homeowners think).It seems like the beginning of this transition happens when retail price of a typical home crosses $100k.  

If I were to just hack off a 8 acre parcel of this and buy it, the owner will be developing it in a few years as part of a second phase of developments he's doing a cross the ravine.

Couple of suggestions: 1) we use an online tool called Haines Criss Cross+ Real Estate.

Would it be considered costing me zero of my own money or would I count that money as my investment portion into that property?

I stumble on one now and then and am even doing the Chip and Joanna thing where someone bought a house from me so I could remodel it, but I have a W-2 job that I can count on while I'm working toward my goals. 

I replied something similar here: https://www.biggerpockets.com/forums/12/topics/413...You might need to get creative and use a few options.50K Cash for down payment and/or rehabPrivate lender for rehab and rest of loanPortfolio Lender for rehab and loanHard Money is also an optionYou could even use your Cash for RehabPrivate Money for Down PaymentPortfolio or Hard Money for rest of LoanDon't count out your friends and family if you need a little extra cash and good returns for them.

I could also tie into this with connections I have made over the years and the seven figures and counting I have made with Bigger Pockets.Last time I did those other podcasts was when Josh was only doing them so way back........... : )  I have a much better microphone and computer now!

Hello, this is going to be a long post with bunch of questions so I'm counting on everyone :) I got a duplex I'm looking to purchase.

Debt counts as a liability in the DTI calculation regardless of how the loan proceeds were used.