Unless your lender needed 12 months in order to count the income to help with your DTI?

Pundits Unanimous across time - Crash is 12-18 Months Away from this moment"2013:Denver Post: “Buyers Caught in a Price Squeeze”CNBC: “Housing Market Already Shows Signs of a New Bubble”2014:New York Times: “The Bubble Is Back”Fortune: “Why the Housing Recovery is over, in four charts”2015:CNBC (Again): “Housing today: A ‘bubble larger than 2006’”National Review: “We’ve inflated another bubble; count on the crash.”2016:CNN: “Housing bubble fears have returned”MarketWatch: “The Seeds of the Next Housing Crisis have already been planted”2017:Forbes: “58% of Homeowners Think The Housing Market is Set for a Correction”USA Today: “Hot Housing Market Could Cool in 2018”2018:Bloomberg: “This Rare Bear Who Called the Crash Warns Housing is Too Hot Again”Business Insider: "A Major Home Price Index is Now 10% Above It's Peak Right Before the Financial Crisis"

As a new investor I quickly ran up my debt to income ratio with two properties(the bank wont count my rental income for two years).

Your suggestion sounds a bit obvious, so I would not count on it passing muster as described.

Their DTI ratios must not be the greatest if they can’t count the income for two years.

When you calculate your DTI you need to consider EVERY debt that shows up on your credit report and the proposed payment.Also they may not be counting all of your income.

None of the hours you put in would count towards the 750.

I am getting close mentally to where you are with your job...32 years here and counting and I am almost ready to blow out the door and not look back. 

It doesn’t matter if you have income based payments or if you are in deferment....the debt counts to what your payments are supposed to be.

You have about 15 days as a buffer so you must make it count.