Thanks for the explanations @Eric James @Joseph ODonovan @Andrew Syrios!

I've even seen appraisers use comps older than two years, and then document the decision with a thorough explanation in the addendum.

Another method that you can use is the BRRRR method where you purchase a fixer upper and refinance to use the money again (short explanation).

For what it's worth, I did click on your profile to see your background before making that explanation.

@David SandvigVery good explanation. 

Steven Leigh thanks for the explanation.

If you have a better photo or explanation message me.Good Luck.

Without getting into a complex explanation I will just list one and make it as simple as possible. if it's owner occupied The hml needs to prove that you can afford to Make the payments for the loan.

Rental history should be good to excellent no matter where the property is- no evictions and very few late pays with explanations.

@Dustin Neal, @Matthew Mason...There's a good explanation on this thread here on BP about the 2% and 50% rule as well as other people giving a lot of excellent info on analyzing buy and holds.I don't think, personally, that focusing on higher or lower should be a major factor.