HI Vincent,Correct DSCR is only applicable towards investment properties and you need to own at least one property in order to look into DSCR.You can always start off by house hacking meaning you live in one UNIT or ROOM and renting out the other vacant units/rooms to offset your monthly mortgage payment.There are several ways to run and make sure you are maximizing your rental income while keeping your living expense as low as possible.

People want a place to store their stuff AND park their vehicles.

Then I asked if I could just store some materials on the land. 

There is barely a voucher holder applicant with a clean background.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

I had a prospective tenant (traveling nurse) last week who was interested in renting the unit starting in mid-August and I sent her the link to the Avail application.

When an applicant is approved, I follow this process:1.

The expenses of the mortgage, property taxes & insurance and HOA (if applicable would have to be at or below the number- in this example, $8,000).

Generally, under Section 504, you must pay for a reasonable accommodation, and you cannot make the applicant or tenant pay for it.

Perform the same task in each app to ensure a fair comparison.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.Run a credit/screening report on yourself.Enter a maintenance request, assign a vendor, and attach a fake invoice.Enter charges to the tenant's ledger.Enter recurring charges and automatic late fees.Sign documents electronically.Run owner reports.After testing a few apps, one should clearly stand out.