We’ve had kidnappings, stabbings, shootings, lawsuits, sewer line backups and collapses (so gross), natural disasters, illegal gambling rings, animal abuse, unexpected capex to the tune of $50k, scammer tenants, methhead liars, religious cults, etc.

Now, I don't know how they would enforce that but I am not trying to gamble with it either. 

Worse, even if they did, each property in each market is different, so applying any rule that involves some type of universal calculation, is a waste of time...and as far as I'm concerned both lazy and dangerous.Now, before someone writes "it's just a guideline", saying that just proves my point. 

The PM has signing rights because they pay themselves and any expenses (within established guidelines) directly from the account. 

First of all, Airbnb might have guidelines against this and if they find out may shut you down. 

I have reached out to several builders but if anybody has had a good direct experience with somebody and can recommend them that would be great.A couple I have spoken to:Ma Williams - seems like a great company, but they don't have contractors in the area so on top of the unit cost there will be connection fees, finish work, and a lot more to gamble on.

Here's what you'll need:Land-lord experience or a property management contractNeeds to be a 2-4 unit (cannot use ADU or rental income from rooms)6 months cash reserves (6 monthly payments PITI) Obviously you still need to meet all of the other guidelines to qualify for the loan but you can certainly do this. 

That isn’t to say the other lenders don’t have different guidelines.

I think you could come up with some good performance ratios like the 1% guideline though. 

@Kyle M.The tenants i have are month to month and for January 2021 i would be implementing a new lease that will still be month to month just with different guidelines within the lease