This applies to all types of real estate.

Finally, If I'm living in the 3rd unit and plan to move out upon purchase of a new property, can they estimate the income of the 3rd unit will provide with me moving out and apply that to the property's sustainability?

I liked the older episodes with Brandon/Josh - I felt there was some really good info in there that 95% of people could use and apply.

Now we negotiated ALL of the $60K Option Consideration funds paid to be APPLIED towards the $300K Property Purchase STRIKE PRICE.

It's best to operate like a business with standardized requirements applied to everyone equally, every time.Do yourself a favor: buy "Every Landlord's Legal Guide" by NOLO.

But if you later apply to another loan and you have, say, a $0 balance on your heloc, they might look at it similarly to having balance on a credit card, which doesn't really add to your DTI.  

Be careful how you word any of this though, if you had told the tenants the adult son could apply but not his wife and daughter it could be familial status violation for fair housing.

Personally, I have no issues making the full monthly payments from the start, so it seems unnecessary to pay the buydown payment just to have lower payments in the first two years.Additionally, my lender said that if I refinance before the 2-year period is over, the remaining buydown payment would be applied to the principal.

Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

@Jason Redeker  Same as Amit's reply above, I applied and was approved in 1 day, signed the docs in about 3 days.