Landlord can provide receipts . can get an exception pending the full scenario . lets connect and discuss . 

there are few things that you should know about DTI :- every conventional lender has different way of calculating DTI- even if it doesn't work at the beginning, they can make exception case.All of these happened because of (too strict) Fannie Mae regulation.This is what you should do.

All except DoorLoop.

Nobody knows anything about the DST except for Royal Legal.

. - NOTE: any major renovations to a building may void the grandfathered exception and require upgrades to meet current building codes.3) As @Nathan Gesner pointed out, a single circuit can often be upgraded by running new 3-wire romex line from electrical panel to the plugs on that specific circuit.4) You can also install a GFCI plug (and not ground it) and that will often be acceptable.5) Why should the property owner be required or expected to upgrade the electrical, when it meets the grandfathered building codes of when it was built?

I did all the work myself except electrical and 1/2 of the painting.

Of course there are exceptions, for example COVID which disrupted the cycle schedule, but most of the time cycles remain pretty consistent.

There can be exceptions to either requirement, but that's the standard. 

This is what I love about BP: the OG's sharing their knowledge with the Young Bucks, nothing much to gain from it except paying it forward and being able to share their story around the digital campfire. 

Overall, if you aren't meeting the 1% rule, I wouldn't do it, but, of course, there are exceptions to the rule.