It's not unusual for a seasoned agent making a decent income to only sell 10 homes a year. 

It's a win-win, however most the tenants that take that option are low income and likely to default more quickly.

I am new to Biggerpockets, I am 42 years old and I have a desire to invest in buy and hold real estate for retirement income. 

After realizing the fragile nature of his six-figure salary, he set out to replace his salary with passive income—as quickly as possible.

Of course, that's offset at least somewhat by the lack of state income tax, but we're not sure yet how all that balances out.

My question is which of us should apply for the loan to get a higher loan amount.Me:Monthly gross income: $2500Computed Debt Ratio: 0 (no debts)Credit Score (Transunion): 625My Brother:Monthly gross income: $5000Computed Debt Ratio (using https://www.mortgagecalculator.org/calcs/debt-ratio.php): Frontend 19.5%; Backend 45.66%Credit Score (Transunion): 667So which of us should apply for the loan to get a higher amount?

I'll also have to hire a property management company to rent the place out for me and manage it going forward (so, 10% there).Here's the math I'm looking at:Current annual gross rents: $16,800Projected annual gross rent: $21,600Management fees (10%): $2,160Net: $19,440 = $2,640 increased annual revenueIf I am spending $15k, it'll take me ~6 years to make that income back up.

Has anyone rented their roof for additional monthly income as it relates to solar energy?

My long term real estate goals for this area are to be influential in helping figure out our low income housing crisis here, so it would be awesome to connect with any like minded people.

The question is how much will it impact your debt to income ratio and how the different loan programs will treat the payments.