That is your only source of income from rentals. But if you have three rentals that have loans on them, one may go vacant, but you have two more that are bringing in money. When you have multiple rentals, you also have more diversification.
If you happen to have one rental, you are more susceptible to neighborhood changes, storm damage etc. With multiple rentals you have less of a chance of all your properties being damaged or hurt by other factors.
You actually lose less money when prices go down with multiples properties.
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For another, this gives the lender a little more information about your finances, which it will use as part of its credit risk analysis. The majority of personal loan lenders will have the same basic requirements, including a steady income and valid checking account. Of course, the cost of maintaining a checking account seems to keep increasing every year, and the only way to avoid the fees is through elaborate systems of automatic transfers and minimum balances.
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What you wont get is access to brick-and-mortar branches with in-person tellers or dedicated ATMs. This means any check deposits will need to be done remotely.
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