If you choose not to use financing/leverage you are choosing not to use one of RE investors bigger return multipliers.  

I am using an off market property database software but it isn't consistent bc this type of asset is classified differently by county. 

Some landlords find themselves in a precarious situation when their rental properties consistently generate losses, leading to financial strain.

The renter clientele is much more consistent and typically the appreciation is as well so it makes for a more passive investment.

Your household names: Ernst and Young, Deloitte, KPMG, etc all offer audit services, as do your regionals like Grant Thornton.A full audit will typically consist of spot checking everything from invoices/receipts tying out to specific checks paid by accounts payable, and down to leases being input into the system, and tying rent payments to cleared checks.  

What I've learned with this structure is to ensure the you are consistently paying down on principal, or you risk the bank eventually calling in the note, or asking you to restructure. 

If not you can use a bank statement program if you have consistent deposits into your business checking account.  

When I rented myself, every lease renewal there was an increase, as small as $40, but consistently every year.

Moreover, I’ve noticed a concerning pattern where the agent consistently failed to secure homes we bid on previously, despite my trust in her expertise.

Debt to income ratio is great because it determines what a healthy overall monthly payment should be.If you make $4,000 per month ($48,000 per year) and you are buying a 4-family with potential rents of $1,000 from each unit, you have $3,000 in income and you will be occupying one unit.You then multiple $3,000 * 75% = $2,250.Add $2,250 to your income of $4,000 = $6,250.Multiply $6,250 * .55 (max DTI for FHA) = $3,437.50That is your total debt payments you can have on a monthly basis.