You're just supposed to re-purpose your rent payment into a mortgage payment. 

I used following prompt for ChatGpt to create a template for this purpose (you can tweak it to your liking):PROMPT:You are the owner of a single family home and you want to rent it out.

Hi Christopher - BiggerPockets has recently launched a Property Management Finder for exactly this purpose.

Now you have to qualify with them calculated into the payment for DTI purposes.

But they are salesmen and their whole purpose is to attract business to the area, I do not believe they would mis-lead me but they may not give me the entire story either.

It probably doesn't makes sense cost-wise if your only purpose for it is advertising, but its a great system for day-to-day management as well and well worth the money if you use it for both functions.Best of luck!

@Tim G.I would talk to the tenant.There is a very good chance they are not doing it on purpose.

For the purposes of this thread, let's focus only on the 2nd option please.Currently, I have the following 2 debts:$188,000 - Mortgage - 4.5% - It should be noted that I took a hit with the market down-turn and the home currently valued at around $160k.

It's not hard to include a clause in your documents that say something like "while I am licensed in the state of New Jersey as a realtor, I am representing my company XYZ and am engaged in this transaction solely for business purposes not related to said licensing."

Is a business purpose loan which is secured by borrowers primary residence similar to a business purpose loan secured by a investment property?