The shelter component is a lagging indicator and if you noticed it rolled over awhile ago.

Most will notice windows, but not think of other components.

The idea of years of payments did not sit well.Went to college & got a degree in Environmental Management, then all kinds of crap happened, now I live in my Jeep.I bought a lake lot were I keep my old travel trailer which was once my home, & all my other belongings I don't need day to day.So I've rebuilt my credit & want to try to buy rentals in the Grove, OK area, particularly in the lake community where my lot is located.But I don't have money for down payments and it would take forever to save enough for one from my W-2 income with all the payments I have ongoing. 

The key components are to disclose the license (if any) and that you can help them sell their house. 

You'll want to find a partner that has one or both of the other components that you're looking for.

Granted, this component can be mitigated to a point by bringing in an experienced partner or by using a reputable PM, but the point is a bank can, and will, see the big picture.You NEED to have your own funds into the deal for this to have a measurable chance of success.

If the loan is to purchase property, we'll also pull:-Property profiles-appraisals -environmental reports -title report

Does it refer to the gross income alone, or does it include additional components like cleaning fees?

Another component for me to keep in mind is that I have a STR permit on my house and last year, I started renting it out over the summer when I traveled.

This can impact perceived value.Meeting International Building Life Safety and Good Neighbor standards are key components of existing and proposed regs.