Another question is which lenders use vested RSU (Restricted Stock Unit) as income?

My favorite use of this, is if after I rehab the property and find my end buyer, I may either sell my option to my buyer OR if they are using FHA financing, which would prevent me from double closing because of title seasoning restrictions, I will sell the property as POA of the seller.

Makes a difference because some rentals have insurance breed restrictions.

That much work tends to scare off most serious non-investor buyers.When offering seller financing to an owner occupant, there are restrictions on the maximum interest rate you can charge your buyer.

@ N M Clarke You can avoid the personal w2 income restrictions by getting into Private, commercial, or Non-conventional loans. 

That is one of the components that restricts buying more property.  

The biggest thing to consider when choosing HOA's is the CC&R's and how restrictive they are with STR.

The only restrictions that I've really seen put into place have been a requirement to have 3-4 months of reserves for investment property purchases and refinances.

I know there are a few lenders that will use income from rented rooms to offset but there are income restrictions associated with the program. 

My wife has been out of work due to CA restrictions so I qualified.