Your DTI for a mortgage is based on the mortgage payment.

I'm not an expert but based on my personal knowledge. 

However, based on our conversation, this strategy might unnecessarily complicate things.As a 1099 contractor, can I deduct all upfront expenses for the STR upgrade, as I did with my San Diego property?

Statutory provisions establish procedures for making that reimbursement.

Hey Everyone ,Am new to real estate wholesaling and i want to start in Nashville TN and am based in Egypt and I want to wholesale virtually in the US .

Calculating the depreciation base, typically guided by a CPA, is the primary complexity.Except figuring out the depreciation base to use (what amount from the total acquisition cost goes for land and can’t be depreciated, and how much goes for the building/improvements to be used in the segregation and depreciation calculations, and even that should be an easy answer to figure out or get from your CPA), the rest is simple stuff your CPA will not know anyway (thus him sending you the “survey”) like, the sqft of the house, the length of the fence and if wood/iron/brick, how many ceiling fans in the house, how many cars garage, if carpet or tile in what room, etc.

It is honestly the playbook for the realities of real estate investing vs. what most expect based on what they read or are taught.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Could it work as a rental in those areas sure probably could if the numbers worked out, but your tenant base is not going to be the same as say Spanos area ,Stonewood ,Caldwell some areas around Lincoln, Brookside.

Today the Fed said they would debate having 3 rate cuts this year, which can add up to .75-1 basis point. 
On the 15 yr fixed mortgage's I use, that comes out to about $250/month in interest payments, or $3,000/year....