My fico is 735 and I dont have much debt to speak of.

We had absolutely nothing except college debt and car payments.

Just have to edit it and run it by legal/PA then I’ll release it.

*This post is not legal advice and is not to be relied upon. 

The last few years we have worked on paying off student loan debt etc.  

Play it super safe on investing and pay debt down as much as you can .. no no no .Do not pay off the rental as soon as possible .

I am super interested in the notion of sandwich leases, but I am unsure of the legality here in NY state.

there is just a ton of debt you have to take on and as we age we get debt adverse.. now in new construction we take on debt of course but we retire it.and yes its a job.. but when its in the right market cycles boy is it a good one  Can make more on one new build in 9 months than a rental house in 20 years.. so its just scale. and what you want to do .. 

But I don't think your landlord is legally obligated to for the reason you stated (TDY orders for training). 

Michael Dunn the debt on the house is considered and most lenders will allow you to claim 75% of rental incomeSome require 24 months of rental history and others have shorter time periodSpeak with several lenders to get the skinny from them