(Talk to numerous lenders, actually.)

There are so many details behind the general explanation that just comes to you naturally as you research and get to understand it.You can start by using the search bar at the top of the BP website and type in a keyword like "BRRR" or "BRRRR" (sometimes they use 3 Rs, and sometimes 4 Rs).

I have mailed numerous letters there with no response. 

Some more explanation of all the multifamily permanent loan options: https://www.biggerpockets.com/blogs/9562/72944-all-the-multifamily-perm-loan-options

Let us know if they provide some explanation.

For instance, I've seen people use gross income instead of net operating income in the numerator.

@Tess Robinson Thank you for the in depth explanation!

I have signed numerous releases for houses.The mold would not bother me.

I have seen numerous examples where the investor could have reduced their tax bill by 75-100k yet they ended up paying 20-25k in taxes. 

Security deposit amountYou can find plenty of examples by searching for "tenant estoppel certificate doc" or exchange "doc" with "pdf" for more options.Here is an example and explanation: https://eforms.com/rental/estoppel-certificate/Some have a lot of legal jargon but this document does not need to be so detailed.