So, I think there's a fine line, that many newbies simply don't know not to cross, because they don't have the experience and don't know how hard won that information or contact is.

It would take more time than I can put into cross-referencing all the lists to see where the lower one lives.

So far, that has been my experience, and I certainly hope to cross paths with you as well in the near future!

A few questions:Can anyone recommend a lender that can count 75% of the future rent (Does FHA still allow this?)

We are currently waiting to close on another property using a traditional conventional loan this Friday (fingers crossed, this is our first investment property so its really exciting).  

Selena, if your bank won't work with you there are some private lenders/hard money lenders with programs that are sort of a cross blend ( not too hard ) but you have to have good credit scores to get them. 

I can probably count the gurus with real information on one hand.  

Some make their own list by cross checking properties with the tax collectors office.

I owe $182,00 and FMV=$225,000Challenges I'm facing: my Debt to Income is too high if I can't count my rental income.I have only been a Landlord since July, 2015 (so under 2 years) with my first rental.

The lady I talked to had no idea whether additional unit income would count towards my monthly income when you get approved, for example (apparently it does).