Typically Conventional will end 42% of DTI and FHA can get up to 51% DTI (and based on your credit score I think you should stretch to that 51%) Just a few things to start thinking about as you are working through the process. 

I've never gone through the zoning change process that you mention although I've heard it can be very profitable.  

Since then, I've documented the process as a Boutique Hotel investor and have a deep commitment to sharing my knowledge around Boutique Hotel Investing with others who are looking for a path to financial freedom, and Boutique Hotels is the best path to get there in my personal opinion.

A well qualified business broker or someone else experienced in those calculations (think someone with statistics/finance expertise) can easily do this.  

It's an awesome way to jump into RE yes its scary at first but as long as you have a criteria going in it eases some of the emotions during the process my biggest thing was lower my cost or keeping it the same.

The promise for the prospective agent to represent every flip from the buy side to the sell side is only as valid as the agent's due diligence and work ethic, and trust would need to be built in the process. 

I’m in the process of managing 18 units and have a full-time job.

All beginners want to jump start the process... but real estate is really a get rich slowly process.  

Achieving a great cashflowing property, learning the process while executing, and great satisfaction of helping a family.

Determined to avoid such mistakes in the future, I earned my real estate license to better understand the buying and selling process.