Which is why I typically call one landlord prior to the most recent for a more honest response

This type of attitude typically shows up during the application process and should be grounds for rejection.

A smaller bank or credit union is typically more flexible, so I'd try calling several of them if that's what you need. 

@Brian Murray a lender would be best equipped to handle this question, but for most secondary loans (Fannie/Freddie) that I've seen you'll need to go FHA to take advantage of lower downpayments with an owner occupant situation. 5% down conventional is typically single family residences.

When you get a house under contract (typically the hardest part, which would mean that you found a house that would meet an investor's criteria and the numbers made sense) you have to find a buyer for it.So you'll first have to send your signed contract to your attorney/title company so that they can do all of their work checking the title and whatnot.

As a lender, the three main factors we look for are as follows:Credit: Typically you’ll find most lenders require a minimum qualifying score of 620.

Usually, that “something” is shares in an active corporation (typically referred to as an operating corporation or optco) or assets.

Not that says much..And I am getting max rent for the neighborhood.. typical 3 bedroom in neighborhood goes for about 700, I'm getting 775, the 2 bedroom is very small, about 600sq feet.

Hi Eric, Typically passive income/losses (rental income) can only be used to offset other passive income. 

Also rent is typically 1% of the ARV which would put the rent in the $1000 - 1100 range.