Of course their policy may be built in to pay much higher than what you think.

Instead of a debt to income ratio, I want to know my:Total Income - (PITIs + Costs + Family Budget) = Cash-Flow  b. 

On a 20 year payback (at 6% interest) the PITI would be approximately 600/month.

IDK banks policies but someone local is probably your best bet.

Since our brokerage's policy regarding referral fee is that Agent negotiates and determines the referral fee amount or percentage with Agent's client or vendor, so I said to myself that I would negotiate that when the deals closes.   

@Matthew Shay Oh, read an entire policy and highlight details, you've got a lot riding on this and it ain't that complicated, if you spend the time!

I was wondering what is your policy on tenants to having a live Christmas tree in their apartments?

I changed our policy to not show the units until they are vacant, for everybody’s safety.

That is a very interesting perspective on the BGV expansion and them persuading the policy on STRs. 

The house is vacant and she is living somewhere else.The mortgage balance is $110,000The PITI payment is : $810The rent rate is: $1,100The house was listed for $125k and sold for $117k two years ago.It's a 3 bedroom 1.5 bath with full basement, and attached 1 car garage.