I can't explain how that compares on VRBO but I'd love for someone else to chime in here and correct my numbers and add the numbers for VRBO.

Seller concessions aren't inherently bad, especially without knowing whether the home is overpriced or in a slower market. $11,000 won't affect your commissions paid by too much, taxes to a greater extent but not incredibly.

It's quite an obstacle.

I will still post on BP Events, but I know sometimes people don't check in here as often and may miss notices. 

Maybe @Nathan G. can chime in here with some scenarios?

The borrower is the chip and the pegs on the Plinko board are the various obstacles to a borrower getting the right program (closing the loan is an entirely other Plinko board). 

However you can, with the paperwork and history of rent incoming, claim the rent income so it could increase your income in the debt to income formula.Hoping someone else will weigh in here. 

There are a lot of great resources right here on Bigger Pockets, so I'd also recommend "digging in" here and setting up keyword alerts.  

Also, I don't see in here where you've accounted for your HML.

But there’s a huge obstacle in the way and that’s the funds on getting a house etc.