You keep praising this lender because he/she doesn't factor DTI, but the internet is full of those lenders.

At the risk of painting with a very broad brush, I am going to just put it out there that most people who are in favor of it are probably tokers 😂 .

Morrison,Thank you for the kind offer to loan me such a substantial sum of money.With Treasuries in the 2 to 4% range, I’m honored you would trust me, a barely experienced stranger you found anonymously on the internet, with your money at just over the same rate.

Your next step is to find a mortgage lender - local, not internet, and not Navy Fed - ask any local agent why, and an agent. 

I made dozens of phone calls, spent probably 100 hours scouring the internet and vetting deals, and flew down to Houston to check out properties.

I shared an article (printed out, because she doesn't have internet) written by an expert arachnologist at University of Wyoming that says this is a common - but false - claim.

On top of that, our education system seldom offers personal finance courses to young students, which will enable people to take advice from gurus or the internet and question whether or not it makes sense for them in their particular situation.

It's common in my area for LL to pay water/sewer in a multi-unit, and maybe offer other "freebies" like internet and cable TV. 

*grins  Okay, I'm busting your chops a bit for fun, but let's step back and take the broad view for a minute.Every housing market is "challenging" for someone. 

If my internet was restricted at a rental I would automatically ding the review one star.