That doesn't mean you can't break out certain items upon purchase to accelerate depreciation, it just means it doesn't make sense to complete a study. 

So add up all the monthly payments of the types of items that would show on your credit report, that will give your existing debt ratio.

@Matt Romano Any items he paid at closing should be on his settlement statement.

The Mortgage Broker will have the details for the city you will be buying in.

I can explain in greater detail if you explain your situation to me.

@Ephrem Bekere It's impossible to answer this question without knowing 1) your other income and deductions and 2) whether you reported your rental income (as well as other items) correctly, neither of which can be ascertained from a forum post. 

Other fees may include appraisal, processing, application, etc - so it's good to know these details up front before you decide on a lender based on interest rate alone.Also, keep in mind if the lender is a Broker or Direct Lender (brokers bring deals to direct lenders and add their fee on top of what they would charge = more expensive for you).

Hey @Dave Foster - Thanks for the detailed explanation! 

I left those items in place while I showed the house to new applicants and offered to leave in place there if they wished to keep it, but told all applicants that I am not responsible for any repairs. 

Hello,I am looking for details on occupancy rates that other owners are achieving in their short term rentals in the Mt.