Hopefully my link to my detailed process will help with some anxiety:.....

This is giving me some anxiety because i've seen how this woman operates(placing mice droppings to report rodents to report to BOH and calling the cops on me when I tried to make repairs to her unit saying i showed up without notice) and I fear this may turn into some leverage move by her when I either go up in her rent or ask her to leave.

Non-recurring property expenses may be added back, if documented accordingly."

BTW, Accquistion Fees would look to move you up, but they are not really "CashFlow" (not recurring monthly income) and in my small part of the RE world, they world they are not common. 

And there are some personal preferences in there, like adding 5% for recurring payment dates later than the 1st, because it does slightly upset my business structure.

As what I have read, and don't hold me to it, your regular gross income * 40% - recurring payment (car, utility, rent, average of sum of all credit cards over the last few months) = your mortgage.

For my property, 3-flat on a 125x25 lot, there was a down payment of $150 and recurring $40 per month.

If you want to time everything, you're gonna need some sleeping pills and maybe some anti anxiety meds.

I have a lot of anxiety about doing this for the first time. 

Transfer that 24% to 0% and work your tail off to pay it down.Cut any recurring monthly charge you can, they are deadly because you forget about them and they never stop.