I have no debt.

The amount is recorded on the settlement statement and a check is cut to them directly from the sales proceeds.or-At the end of the exchange all remaining proceeds come to them after the close of their purchase. 

Though, even through house hacking, not having any capital cushioning me in the event I have a room(s) go vacant for too long makes me extremely uncomfortable, and I'd rather just wait until I'm able to invest without so much risk rather than getting in over my head and setting myself back with even MORE debt.     

Using my standard CoCs, Debt Service, ROIs, etc, I'm struggling with how to not have the numbers look amazing.

In my world and thought process, morality means paying your debts.....it means following through on things you say you would do.   

SHORT TERM LOANHard Money Lender3500 origination fee155 per draw for rehabHML 12 - 15% interest per monthOtherTitle fee = 1% of loan amount$700 hazard insurance$119 settlement fee at closing out the loan!

For tenant screening, we want high quality person and can wait to get one, but is our criteria too strict:  740 credit score, 2 month sec deposit, 37% max debt/income ratio?

He has decided this because he is heavily in debt with bad credit and he needs the money.

In particular your debt to income.

Hi all, looking for a quick overview of which type of rental expenses counts against your debt to income ratio and which do not?