Income Requirements

[Ryan M.]

I've read in the forums that most require income of 3x rent. My questions are:

Does the 3x assume the utilities are included or not? In my case the renters of my SFH are responsible to pay all utilities directly (not included in the rent payment), how would, or does this affect the multiple?

Also, is the multiplier on gross or net income, I assume gross but wanted to be sure?

Thank you.