With COVID 19 he went through 5 month dry spell and grossed yr to date only 20k in his day job. 

Maybe someone wants to comment on it:Bill Gross warns over $10tn negative-yield bond pilePile is a ‘supernova that will explode one day’, says former bond market kingBill Gross, co-chief investment officer of Pacific Investment Management Co., speaks during an interview in New York, U.S.June 10 2016The $10tn pile of negative-yielding government bonds is a “supernova that will explode one day”, according to Janus Capital’s Bill Gross, underscoring the rising nervousness over the previously unthinkable financial phenomenon.Central banks in Europe and Japan have moved their benchmark interest rates below zero.

.- Nightly Rate 15% higher - Cleaning Fee - Taxes - Additional Fee (if you choose to add)Our sources say Airbnb simply wants to remove the Service Fee... but of course, they still need to get paid -so they are taking it out of the gross payment.

The other unit(currently unoccupied) is a very spacious 2 bed/1 bath and can rent for $700-750.All in all if everything goes right I plan to collect $1300-1500 a month in gross rent.My dilemma is whether I should keep the current tenant, and ask them for a drastic rent increase while fixing up their side, in the meanwhile.

I have used AirDNA (free version) for the area and at 40% rental rate, we could make around 30k gross income based on other similar properties in the area.

Must show proof of ability to maintain stable employment (2+ years ideal)What is your Gross monthly incomeMust be 3x of rent ($4,500)What is your estimated credit scoreMinimum of 620Do you smokeMust be noAre you willing and able to do a 12 month leaseFlexible here but ideally yesHave you had any prior evictions?

Must show proof of ability to maintain stable employment (2+ years ideal)What is your Gross monthly incomeMust be 3x of rent ($4,500)What is your estimated credit scoreMinimum of 620Do you smokeMust be noAre you willing and able to do a 12 month leaseFlexible here but ideally yesHave you had any prior evictions?

Net is what matters, not gross. 

People seldom do this because a foreign company in non-tax-treaty country gets 30% withheld on gross income and onerous US declaration requirements.

Based on the returns you show ($28,104 & $23,554) Averaged = $25K So you would qualify for $100K of mortgage debt.4 unit in my area around 700KMy question to you is if i want to put 20% down 700-140= 560K And take a loan for 560 K loan 30 years= 2500$ 2500$(principal+interest)+ 1500$(tax+insurance)= 4000$ monthly 4 units * 1,250$ rent = 5000$ gross rent income Is there any chance to get a loan if i prove the rental income will cover the mortgage payment ?