You have to calculate based on a more than a few things like loan amount, down payment, taxes, Insurance, (Any HOA) PMI, based on credit, etc.If you are 1099 the Bank can look at the most recent 1099/Schedule C if you have been in business for 5 years or more with a 25% ownership in company or more. 

Pre-Foreclosures on the left coast are something I don't even touch.

Based on the train of thought you shared you are completely ignoring a critical piece of the equation which is your own capabilties and whether you have the ability to execute on the opportunity.

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I am based in Atlanta, GA and we are back to bidding wars!

Based on what you learn from the application you'll have an idea of how to proceed.

I personally won't touch either of the properties.

Hi my name is Gerald and I want to get in touch was a licensed real estate agent in Arizona who has experience finding rental properties for investors and who also is a real estate investor themselves.

I have had good luck with painting cabinets. scuff sand, take off hardware and ask the people at sherwin williams what they recommend for paint. probably something oil based.

A DSCR loan is more based on the asset's revenue potential, not your personal qualification, so if a vacation rental/Airbnb property can make money, you might qualify.But even if you could get a DSCR loan, I'd question whether you should get a DSCR loan.