(Of course that's a lie but I believed it).

I believe I'm following everything else you listed, will put reviews as a priority.

It is for an ocean view room, which I believe is now sold out. 

There are a lot of tricky rules around this, and I believe Freddie either just changed or will be changing very soon to require 1 year of property management/landlord experience in order to count future rental income when buying a new property.2nd question: All debts in which you're obligated, regardless of whether they report on your credit report, are considered in DTI.

Don't believe you will find a service that cooperate with you reporting tenant payments with under 10 units. 

I am going to throw this out there and play devils advocate- while I believe they will cut rates because its an election coming, I ask why are they cutting rates?

This is a great place to learn, just like everything on the internet just do not believe everything you read and if it seems too good to be true it probably is. 

Thank you very much.I believe there are many attorneys in Texas.

So, I believe some of the fundamentals of larger multifamily (increasing NOI via increasing revenues or decreasing expenses) are beneficial to smaller multifamily although the ultimate value is not determine by NOI, but by comps. 

And though I would like to believe that a jury would not find a property owner guilty for a guest chasing after a wild animal and getting bit, there is still the time and out of pocket expense of getting an attorney to defend such a nonsense case.