Seriously Brian, these are the type of situations that 100,000 members of this forum are trying to avoid and you're about to do it again.Again, I'm not throwing stones or making any moral calls here, I'm just presenting the 3rd option that you haven't, if you're really looking for a solution to this, "Dilemma."

I looked at a place in Pittsburgh decent neighborhood seemed to be a pretty good wholesale deal listed at 29900 from pic's when I got there probably a few squatters living there at the time destroyed a lot mostly cosm...

When they leave I get vacancy decontrol and can raise rents to market for a nice boost.

So you might not be able to use that rental income (on paper only) to boost your mortgage qualifications.

This can be a touchy area- everything needs to be above reproach - legal, moral and ethical.

But anyway I kind of see that sentiment with the real estate agents  and wholesalers banting this subject around.But at its base unfortunately many are taught you need no money to do this.. they have no money. yet they represent to the sellers they do.. and this is just to me a moral and ethical issue and fraud straight up full stop.

Are they boosting appreciation?

I was listening to a youtube video regarding purchasing multi family homes and was introduced to another way that I can boost my qualifications for a loan. 

Boost it back up in six months.Usually, past behavior is an indicator of future behavior, but sometimes Life Happens.

To start, I managed everything myself for a cash flow boost.