Gradually we are expanding to other rental platforms, but a stumbling block we have is keeping our calendars straight using multiple rental sites.

Hell who is to say an individual will live long enough to enjoy retirement.

Maybe you should present this to a couple local mortgage brokers, they will have a larger contact list then you and they will only have to run your credit once vs going to each individual bank.  

So I’m running into a road block with DTI until my rental shows up on my taxes.

we have completely different housing stock than you have there in Chicago duplex tri plex are relatively rare.. its either SFR's or 20 to 400 unit apartment complex's .there are probably more 2 flats in a 10 square block of South Chicago than in all of Oregon.and less than 10% of our SFR's are rentals.. unlike many parts of the mid west were that number could be 35 to 50%

The main differences being that hard money comes from an institution as opposed to a private individual. 

This article's focus is on forward-looking expectations of individual housing markets.

You can have a couple of blocks in an area that are beautiful with well kept homes. 

Also if they are really old wood frame yea they are a pain to deal with not to mention poorly designed most can be unlocked from the outside with a thin putty scraper so i would never live in a house like that because i like to open and close my windows withough having to remember to put a pipe or wood block back as a secondary window lock

I know this is a unique issue to the note and the individual, so I'll add a few details and see if there are any suggestions as to where I should go from here.To begin, I'm a note rookie, and I accept all the critical feedback that comes with it  : )   I now know that I was under capitalized when pursuing this note.