Signing the lease demonstrates they agree to the terms and then you can hold them accountable.If you don't do this, then the person named on the lease and paying the rent could disappear and you would have no legal authority to charge the remaining three for unpaid rent.

@Breeya Johnson Austin has gone through numerous changes the past five years, both good and challenging.

Specifically:Will the lender only consider the rental income from the two legally zoned units, even though all three rental incomes are declared on your tax return?

Most likely your conclusion is correct, but the only way to confirm it is by having a real estate accountant review your tax situation.Also, please read this introduction if you want to better understand the concept:https://www.biggerpockets.com/forums/51/topics/1075919-five-...

I've used five or six different PMs in different markets.

I've done three flips in Denver, where I live.  

I seem to be “landlocked” for any borrowing at this time.I did go to the bank that holds three three commercial loans for my apartments.

Owning three rentals and completing a BRRRR is an impressive start.

It shouldn’t take more than five minutes to do an initial underwriting.

Your side should take less than five minutes.