@Rick Albert, the general rule is more units are better.  

Which is why it is difficult to find even 1% rule SFRs in a lot of areas right now.

Those rules are set by the state.

I have been investing in Michigan since 2014, we have many areas that still exceed the 1% rule and have annual appreciation.

Guidelines are in Appendix A to Furnisher Rule Part 660    Can you meet that obligation through frontlobby or would that mean you are limited to court judgements? 

Otherwise, owner can pursue collections on their own.The credit score is like the "1% Rule" - a decent filter, but NOT something to rely on.-- How many active tradelines produced that credit score?

I know some regular conventional investment property loan programs have certain rules about this but does Fannie Mae?

This is not the case- MLS rules and state law apply and the "Flat Fee Broker" must abide by those rules too. 

There are a lot of rules around using rental income to qualify for the purchase of the new property which may limit or change your options.

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