While I sold my first rental, all of the others have been bought (and I sold one this year) within the last 9 years. 

Some conventional programs go up to 50% DTI as well. 

Peter Sirico with Crown Lending Services emailed me about a hard money loan just last week.

A few of the hotels there have where you buy/own the actual unit and you become part of the "rental pool" & get monthly dividends based on how well the hotel does..this one sounds similar.

You only have 60 days from the last day of work.

In addition - checking account statements showing deposit income going back X number of months would also do that as well.  

Lastly, we own our current home.

Only two options unless owner wants to do Cash-for-Keys. 3) Certificate of Compliance: why wasn't this starte last year?

I recently attended the 90min course last Saturday, in Nashville TN.

Well that's pretty tough.