I am married as well and her scores are around the same as mine.

Then they complain that our process takes too long!

Are there any New York PM company owners here that could weigh in on the requirements? 

If your IRA receives an equity portion of profits from the business, it will likely have tax liability via UBIT that would be detrimental.Owning income producing real estate or interest from lending are passive activities not subject to UBIT. 

I was planning to do cash-out, but there are several factors coming together that is making that a less attractive option (higher interest rate, longer seasoning).

No unknown factor, that's all.

DSCR won't work for us because given the rent roll we would only be able to be at 65% LTV, and we are looking to be at 70%-75%.

The crucial part is “all sources” and that is why security deposits are also considered."

DM me if you are interested in talking about this more.

I think the property is working OK  but agree these are rooming houses nothing more.