Given the market has not fully slowed down I'd like to get pre-approved so I'm ready to go if/when my husband and I find something we like.

I am in the process of getting pre approved for a loan and I’m curious whether or not I have to claim the debt on a rental property that I bought using  owner finance.I realize it is somewhat a grey area but from my perspective, it seems like it would be private debt and would not show up on the bank side so there is no need to disclose it.Furthermore, my bank already ran my credit check and said the mortgages did not show up. 

Also to note here there are no issues with approving this due to income or credit.

When they were done they made an appointment the county building inspector, who approved their work.

For houses my expenses excluding debt or cap ex run about 36% self-managed,  50% with a PM.  

I've been pre-approved for a $300K loan and am seeing that few properties generate incremental cash flow if I also live there during the first year:- Purchase 2+ BR home and rent out while I also live on-property; move out after a year- Purchase a home for myself (i.e. a condo - I know I know, condos have terrible ROI but I personally like the look/feel)- Keep renting / delay home purchaseAs this is Week 2 of my real estate venture, any feedback/insight would be incredibly appreciated -I feel like I'm also getting cold feet because while I have funds for down payment, I don't have 10% of the home price immediately saved in cash. 

They likely have a policy that only one vendor is approved, because they know the quality of work and it guarantees consistency.

My local bank won't approve additional loans for investment properties without it.

Background so the numbers have meaning - Conservatively approved to 400k, FICO 800, clean history, 20% down payment on non owner-occupied investment property, 30 yr fixed conventional loan.

They paid each month and when December rolled around they said that they couldn't close due to the TRUST that was going to pay for the property required repairs needed to be made before the trust would approve the purchase.