Leaving your agent would put you back at the start on that count.

If feasible, you typically don't want to have debt from business investments (which could be substantial) to be counted as personal debt; that may have its disadvantages when you then have to finance personal acquisitions.

I wouldn't save or spend any more money by moving out but I could eventually count my rental income towards my current income for another offer (which may be quite a ways down the road)Can any lenders offer some thoughts?

It seems to me that if I am putting $300 or $1000 per month towards principle, and my tenant is paying it, that it counts for something, right?  

I count my location as DC, since that is where my property is, though I most likely won’t move back to that area.

My concern is that if it's a fourth bedroom but the square footage of the garage is not recorded in the property appraiser website then it may not be counted as a bedroom in the appraisal?  

Land contribution does count but always make sure to differentiate between loan-to-cost from loan-to-valueAs an originator who has worked on several SBA projects and a number of hotel projects there may be a way to navigate the financing process.

The only thing that seems plausible to me is thag with each property, your rental income counts as income, so while you take on more debt, you also are getting more income which is allowing you to squeek by.

I'm not sure how much we spent for our project, maybe it was in the 50K-ish range, maybe more (that doesn't count the new roof).

The standard message is 2 years rental history under your belt as to rents received and your ability to manage with 75% of rents counted to offset the mortgage payment.