Small 3/1 or 3/2 over large with same room count.

Chris hit the nail on the head in regards to school counting towards employment history!

What they're counting on is that you'll just go away. 

I never sit down like Scrooge and count my money.I have absolutely no financial goals, but I figure that if I am going to work an 8, 10, or 14 hour days I am not going to do my very best during those hours.

Appraisal= $258k/ purchase price = $230k/ Built-in Equity= $28,000/ Down payment cash $27,000.I have $27,000 cash to put into a down payment on the above home BUT, I need to use some (about $10,000) for a new roof/gut...

Or can I just count the cashflow as income?

Banks are not counting this income yet.  

I’m not sure how long it’s lifetime is and whether or not it can be counted on to cash flow.

The VA will be lifting the V loan limits so if you find a fourplex they may be able to count that income as part of your loan.2.

I have been reading that up to 4 mortgages are easy to get and instead of the total amount on the mortgage the count matters.How would these two compare?