Put that calculator down and pull the trigger.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

I am trying to get a 5% down first home buyer conventional on a fourplex for my daughter to househack and lender I spoke with says that we need to calculate the debt for all the other properties I own and pay from businesses into DTI.Is it true?

After calculating all of the properties, the average cap rate is around 5% and the COC ROI is always negative (I am putting down 25% for a DSCR loan).

I guess what I am wanting to ensure; that 17,500 between the highest 3/1 comp and the average of all the comps, is  a good starting point for making my calculations.  

Notice he started in the 90's without a BiggerPockets calculator, without the forums, without 50 different books on how to invest, without AirBnB, and so many of the tools we have today.

Im a new investor and I've been running some calculations with the BP calculator and I think I have found some good deals but I do not have the best credit right now (middle 600s) and I do not have the proper funds id be comfortable with, with buying a investment property to try and BRRRR or just upgrade a few items.

for example I’d need to make 18 at work to equal 9k rental income.So I calculated that with real estate I’m saving 35% fed 7.75% IL tax 7.25 Social security tax and 0.9% niit tax.50.6% savings ?

That is the cost of doing business and the risk you have to calculate. 

Here's a bit more in detail about how rates are calculated for DSCR loans:1.