That's good for my credit profile and supports a healthy score.

Any healthy adult with an average IQ is capable of paying off $10,000 in debt and saving at least $30,000 in two years.

Though it may cash flow well based on their current debt service, when you compare the income it produces to the equity they have is it actually even a good investment for them from an ROI perspective or would they be better off liquidating and redeploying?

This amounts to lost opportunity because if you had purchased RE, at the closing it can start producing return. 5) ADUs detract from the existing structure whether this is privacy, a garage, or just yard space. 6) this is related to number 1, but there are many more buyers looking to purchase homes for their family than there are RE investors looking to purchase small unit count properties.

All indications here are of a pretty healthy market. 

Most states require them to produce a report with that data to give to the client.So why is having an algorithm look at the rental data illegal, but an individual person look at the data not?

From what I read in The Economist, these Sun Belt regions often see steady population growth which can drive healthy rent appreciation.

Our manager has tried outsourcing filling the unit to a realtor agent with agent incentives but that has not produced any results in the last month.

I have a good credit score (791 based solely on credit cards) make almost $200,000 per year, and have very healthy investment and retirement accounts in America.

You can go as low as 2.5x in some cases but NJ tends to produce enough traffic/applicants where 3x should be minimum unless property is over priced.