The point here is that if we have a deal in front of us....but my lender can only go up to X....and I need Y amount of money to get the property....then I would need to adjust my offer to fit X. 

Plus, the faster it appreciates, the faster you can refinance and adjust your debt service to secure better terms and cash flow.

Mine can set door codes, message (or call) guests, schedule cleaners, adjust the thermostat, monitor my cameras, & call a plumber just as easily as a local PM can, for 1% of the cost.Hire good cleaners, a solid handyman & befriend some helpful neighbors.

The Refinance     NUMBERSNOTE: Because this is over 4 units, what's most important, is the NOI  9-unit (8 singles + 1 double) $5640 per/mo (5640 x 12 = 67,680 x 10% vacancy = 60,912 effective gross income)Expenses: 3.2k taxes, 11k in utilities, 2k insurance, 5% maintenance, 7% managementCURRENT NOI based on Lender's Numbers: $37,203CURRENT Income Cap Value: $37,203/.08 = $456,037... then $456,037*.70-.75 LTV = $325k-$342KPotential Refi Loan Terms: 20-25 yr amo, 4.75% rate that will adjust every 5 years, at a 70-75% LTV

Adjust your expectations to the realities of the current market.

.** Of course adjust my scenario rents depending on your rents

I can adjust the temperature remotely before a tenant checks in or after they check out.

Don't adjust based on market conditions. 

Do most banks take into account future rental income or at least 75% of it when adjusting the debt to income ratio?

Ok so if I'm running comps and I come across a property where there's only 1 or 2 comps that have the exact same number of features as the property I'm looking to wholesale, but there are a few that are close but different by one feature (say, an extra half/whole bathroom or an extra bedroom) would it be possible to include these in the comps and adjust the numbers so they match the property i'm trying to wholesale?