@Alex NgMost likely, income verification will be based on your tax return documents. 

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with zero or negative relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, recent evictions.

There is some noise in this comment, but overall I appreciate it, especially on LinkedIn, where everything is an echo chamber of "I help create passive income for busy professionals", "Invest like the rich", "create financial freedom through real estate".  

Before my personal and 'rental' income/expenses were very co-mingled.  

If you're a doctor, chances are you're already an accredited investor based on your income, rather than your net worth when you're starting out.

Are you really in dire need of cash/income to live on? 

I can get a VA loan but again my debt to income with being on this house with my girlfriend and new car is making it hard for banks.

The data the city requested was more than would be reflected on my income taxes. 

I just want the extra monthly income and in 20 years be able to see how much equity I acquired and continue to invest as time goes.

It won’t affect your debt-to-income ratio and won’t affect credit score/history.