I have reached out a Liberty Tax, H&R Block, a local account to help me understand how this return should be completed.

The difference is in the overall return vs the type/potential pain you are willing to deal with as you reach your investment goals.

You are dealing with a specific lender overlay and not all banks/lender have those types of road blocks.

When you have enough extra cash, do it again on the same block or same neighborhood. 

My house on slab is in a nice middle income area with expensive fishing boats and RVs in the concrete driveways, yet 2 comps were on another area with block homes, hoopties in dirt driveways, and 2 of the comps even sat next to trashy convenience stores.

The price to rent ratio in AC is way better than Newark but you need to understand each and every block there.

We always try to remove them where the additional light from outside or ventilation isnt needed, when needed, we have replaced with glass block or nicer unit we built custom non functioning window out of pvc. 

Luckily it wasn't too painful, my PM approached the tenant let them know we were starting the eviction process. 

And here's why...How many days are actually booked vs blocked?

However, generating capital gains from stocks CAN raise the total income above $150k and block the $25k.