Hi @Suraj Thapa, I would recommend doing as much online research as you can to see what is currently on the market. 

From what I've read online, it seems I have to disclose this but what would happen if I don't disclose this to buyers?

The tenant is telling the PM that HUD was approving based on old income and they are going to have it readjusted.

Pay Attention To Your Credit Score Although we don’t have any income requirements, we do want to know that you are on solid financial footing.

What is your exit strategy... pay me in cash based on rents or other income?  

I have looked into the DSCR loans but you would still need to come in with a large portion of the down payment correct (the remainder of what is under the 75% loan to rental income )correct?

I use DealCheck for underwriting and QuickBooks online for everything else now.

I'd honestly work on increase your income and saving more, try to get to 40K then go the hard money route.

More info here:DSCR loans won't use your income to underwrite the loan.

I do think though that if you want to live in one of these desirable locations, you better have a solid job and income lined up because at this point you should know better.