I would try your best to give him as much info on how much you made and where it cane from, and everything you spent. furniture, cleaning fees, replacement items, consumables etc. hope this helps, let me know if you have any further questionsbest of luck,Mike 

You also want to budget for cleaning, consumables, repairs, etc.Id be happy to run my own numbers on this property, feel free to DM me Hope this helpsall the best, Mike

While you are in your earning years, eliminating the consumer debts will only benefit you long term and unlocks your ability to access more financial products to buy homes. 

Are you using a Lowes credit card (one of their pro cards, or the consumer card)?  

It can be time consuming and frustrating but it's good money. 

Don’t get too caught up in the processes I mentioned and let the information consume you.

I know it's time consuming and will drive you nuts, but that's the only way to learn the business and hone relationship with subs.

For vetting / screening purposes you can look up license information with: NMLS Consumer AccessAAPL Member LookupCompanies should have a page here on BP that you can search for reviews. 

For instance in FL, if I lend to you in your personal name, even with the proper B2B purpose loan, and Non-Primary Residence disclosures, and you default, if you claim that it WAS your personal residence and you were not clear about the disclosures, the first thing the judge is going to do is look to see if I as a lender met all the stipulations and regulations concerning consumer loans, such as CFPB, Section 32, and RESPA requirements. 

Other than cleaning fees, you should make sure you factor in higher insurance rates that cover STRs, utilities, internet, consumables (toilet paper, soap, etc), landscaping, snow removal, linen replacement.