@Chris Roche - no clue where your $128k limit came from, and I have never heard of a lender requiring more money down if your income is too high.

In 10 years i would like my income to be supplemented with these properties. 

This value is higher if you are married.3) What is your income level?

Currently a real estate student with a long term goal of building a portfolio of income properties in Metro Atlanta and Virginia.

I had a few calls with them and they are knowledgeable about the passive income market and I believe an honest company.

You're definitely not going to have a 25-year streak of a perfect incoming pipeline of the right houses at the right price.

Intermittent income, higher maintenance.

I typically keep my vacancy and repair estimates at 10% of monthly rental income.

I spent a lot of time on roofs in my younger days, I just don't feel it's worth the risk now.Our long term goal is to generate enough passive income to at least match the current combined income of the wife and I.  

How do I get around my debt to income ratio now that I already have a brand new mortgage, car payment, paying rent, and college loan but a decently high salary?