They can provide insights into whether locking in a new rate now could be advantageous or if other financial strategies could make holding the property more viable.Additionally, consider the overall financial picture, including your ability to cover the mortgage without the rental income covering all expenses.

In addition, make sure your hard money lender is maxing out your leverage so you have the least amount of cash out of your pocket.

I have a huge personal mortgage (P,I,T,I) that currently takes up around anywhere from 25%-38% DTI depending on how you calculate gross income.

I know many wholesalers who are licensed agents, and the only thing they have to do is disclose they are real estate agents in the contract and they are not representing the seller in the transaction, but nothing else.It will be interesting to see if in VA they will require additional disclosures or not

Do not let the tax tail wag the income dog here. 

How do I go about verifying her income from the VA?

                                           - Condo- pro's- own something that will appreciate, can still be in the city, can rent out if we move- passive income.

In many cases, rental losses can be deducted from your taxable income, but there are limitations and eligibility criteria that may apply.

I was told it was “impossible” to get a conventional mortgage on an investment property with foreign income.

But also don't want to buy something that doesn't generate income.