Quote from @Glen Wiley: I suspect that once I retire from my W2 I will probably set up a direct booking channel since I'll have more time but for now I am accepting the risks of depending on the OTAs in exchange for the benefits. 

A DSCR loan (Debt Service Coverage Ratio) type loan would look at the rental income and expenses and determine the amount it could lend based on that.

Just a little background, we are big on long term and big on passive income.

Meaning 10k turns into 800k by retirement - that is truly powerful stuff.Once you have a good portion in the markets and a healthy savings account then dip your toes into RE!

Lower-income residents bear the brunt, with vacancies for apartments under $1,100 dropping below 0.4%.

You'll need to fill out Schedule B and also the interest income section of your tax return (usually Form 1040). 

It's a false sense of security because if the right attorney came along, not only would your insurance be maxed out, but they could still take property and/or income.

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.

AGAIN FOR ALL OF THE SMARTIES....I AM WELL AWARE THAT A LANDLORD CANNOT DENY A TENANT BASED ON MARITAL STATUS AND should HAVE NO CARE IF TENANT IS MARRIED OR NOT.....HOWEVER I AM INTERESTED IN KNOWING WHAT FINANCIAL OBLIGATIONS COULD ARISE FROM THE DIVORCE PROCEEDINGS AND IF THOSE OBLIGATIONS WOULD AFFECT PT'S ABILITY TO PAY RENT BASED ON PROSPECTIVE TENANTS CURRENT INCOME.

People applying for a mortgage actually needed a job and income.