You may be able to use your paid off houses to cross collatalize.

We have lots of minor repairs; leaky faucet, outdoor light that does not work, closet doors that need to be replaced, crossed hot and cold water lines for shower in the old place and in the new place we need new lights, fans, floors, vanity, etc.

Maybe I am asking for too much, but as investor, I am putting my own money to work, every dollar counts.

We loved the low rate and that it is not counted against your DTI ratio as you are paying yourself.  

And despite some of them being opinions, they were good enough to published in Newsweek and Bloomberg, so that has to count for something. 

Fingers crossed!

Also you'd be counting on the market to stay the same for 10 years with respect to mortgages.  

Does income from your first property count if you've had it for less than a year?

@Matthew Hamilton, you're right; don't double count the Tax and Insurance in both the "50% Rule" AND "PITI" payments.

Last year I waited far to long to do my taxes so I didn't really have a chance to question it when he said I need to file separate returns for my wife and I, and our two LLCs because disregarded entities only count for single member LLCs and since both my wife and I were on the LLC they were not single member.