It indirectly impacts the credit score, which would be included in either metric.

Politely and clearly, make it extra clear that all information will be verified including income prior to the signing of any lease.  

The important things to consider about HOA fees is that they usually include some utilities: Water/Sewer, Trash, sometimes shared amenities like gym, clubhouse, pool, and they are saving you the time and headache for property maintenance: lawn care, tree timing, roof, siding, etc.

It’s still a worthy strategy to force cash flow that’s rare to find in SoCal, especially if you can reduce the cost of construction by doing a conversion/using an ADU grant or even buying a property with an existing ADU In general, even if the ADU valuation matches your cost including grants, they are usually not worth it in southern CA in single family zones. 

Clear Creek, west of Denver, and Gilpin County, northwest of Denver, both have a primary residence STR permit that's not subject to their caps on non-owner occupied Airbnb.Park County, which includes Bailey, Alma, and Fairplay is open.

Include a lender in your conversations that specializes in working with investors.  

Their advantages include house hacking which includes better finance options and hustle.My last purchase was so large cash negative that the rents were $3k less than PITI.  

no one, including my score, is going to be much higher.  

She goes on to say that for her beginner investors, she doesn't let them buy over $100k total (including purchase and rehab), she already has a tenant pending for a particular property she currently wants to sell, already has a good relationships with a lender, and doesn't let rehab go over 2.5 weeks. 

Common fees will include a set-up fee, a leasing fee for each turnover or a lease renewal fee, marking up maintenance, retaining late fees, and more.