Do you have another income source right now?

So wanted to know is there any way or tips if you have, to assume Loan (may be VA loan) when my debt to income ratio is high?

They take into account the tenant's income, other housing costs like utility bills and market rent for the area. 

A lot of sellers are burned-out landlords who like the idea of "passive income"/mailbox money after years of chasing late rent payments, dealing with tenant BS and maintaining the property (I use quotes for "passive income" b/c no income is truly passive IMO, a wise seller will still pay attention to what's happening with the property in case they need to take it back, but collecting payments like a bank is generally easier than collecting them like a landlord, you can set up ACH with the buyer's bank or hire a loan processing company to handle it). 

Commercial could actually be really interesting for you as you could join one of the established shops to get on a team and start earning right away. 

Had he left them vacant for 5 years and collected no rent, he would've earned more...

“This highlights the importance of regular tax-loss harvesting in your after-tax nonretirement investment accounts throughout the year.”Contribution to a Traditional IRAAnother option would be to contribute to a traditional IRA to reduce taxable income, subject to contribution limits and deductibility phaseouts, says McGuff.

if your a young realtor like I was  started at 18  and got my brokers at 20. how are we going to qualify we dont have income yet..

So, you'd start by estimating the net operating income (do your own calculations and don't use the figures from the developers on this).

She can earn a little income by the interest she charges you, and any value you add to the home is hers really if you default.