But with sufficient deal flow, you’ll have a small pile of “maybe” properties that you can then do more analysis on.

The assessor roles or appraisal report can also be used if they provide sufficient data to make the computation.  

To you have sufficient cash? 

I complained that the work done was not what was described and they said that they decided that what was done was sufficient. 

If it's not in the specified condition, either refuse to close or do a hold back of funds sufficient to remedy the situation.Careful with the electrified fence. 

The structure you are looking at works fine so long as the asset generates sufficient cash to cover expenses; however, as all RE investors know, the unexpected furnace malfunction or roof failure requires injection of outside capital. 

Your notice was more than sufficient and you need to stick to your guns.

What the lender you spoke with is talking about is called the self-sufficiency test where the other 3 units of your quad need to cover the entire PITI of your mortgage.

If you don't have the sufficient income history, you could possibly get away with showing the bank an employment contract if you have one.

This way you can avoid the self-sufficiency test on 3-4 unit properties that comes with the FHA loan.2) Maybe you can find a SFR + ADU to house hack?