How much of that income will the mortgage companies allow you to use as income on the loan application?  

According to Experian "78% of U.S. consumers' FICO® Scores are higher than 620." 620 is objectively a very bad credit score with a high probability of delinquency.For my rentals, 700 is the minimum and any applicant with lower credit score will need someone else to serve as a personal guarantor.

Consider the cost of the property, mortgage payments, property taxes, insurance, maintenance, and property management fees (if applicable).

Just trying to get some overall opinion on online sites for applications and background checks vs going old school and having them hand fill out applications.

@John Warren Some I do post on MLS, but I like to meet all applicants before recomending them if possible and I would rather keep all the commision. lol.

Hard to say right off the bat which is a better option since it depends a lot on what you are looking for and your situation but speaking with a lender that understands the application of primary residence loans in multifamily will be important to help you find the right option.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Additionally, exploring alternatives like legalizing the existing cellar apartment, if applicable, or renovating the current layout to increase rental income could be viable options.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Some items I think should qualify, such as: time spent monitoring rehab progress/talking to contractortime spent talking to vendors & placing orders time spent talking to PM/CPA/attorney regarding my properties;time spent reviewing statements/invoicestime spent preparing mortgage application,  tax filingtime spent writing contracts with contractors, PM, equity partners etc Some items I'm not sure.