Turns out their total monthly income is too low ($600 shy of 2 month's rent -- we require it to be at least 3 months). 

This upgrade may also increase the property value and attract higher-quality tenants, ultimately leading to higher rental income.

For context, I am a doctor with a stable income and was able to put 20% down comfortably to avoid insurance.

Investors can anticipate potential monthly cash flow income that may be tax sheltered using depreciation.

Without consistent steady flow of clients, income is sporatic at best. 

Because if we can take deprecation losses from our rentals, we can use that loss to offset our other active income (from being a broker for example). 

can utilize a no income no doc DSCR loan .

Her credit was in the low 500 but this is one area I am willing to be flexible as I do not like to compromise on income/rental history/no pet. 

there is no income no doc financing for fix and flips providing 100% of construction welcoming first time investors

And that’s too bad, because the concept can lend “clarity of purpose” for many investors.Often, we in the real estate arena, get caught up in our real estate “business”, with an emphasis on “cash flow” or “spendable” income, the professional investors equivalent to salary for the wage earner  and met income to the small business owner.