These focus less on personal income and more on your business cash flow or the projected rental income of the property.If you have a rehab project, you may want to start with a hard money loan and refinance into DSCR once you are done with the rehab. 

@Russell Brazil Although, Russell brings up a good point, I have personally read the Fair Housing Act several times and have never seen anything in there about it being illegal to discriminate against payment source.

The chat with the founder/ceo went quite well and he seemed like an honest person. 

I rent STR mostly through airbnb which acts as a rental manager and I have an assistant that I personally hired to flip/clean the units and also on site for renovations.

A percentage of this number is then used to determine what portion is related to the ADU vs the portion of the property you're using personally.

Personal service activity w participation in last 3 years.7.

Two reasons could be renovations or the need to personally occupy the unit.

Over the years I've noticed that it's very helpful to simply go visit in person your city of interest to get a better understanding of the market and the people that live there. 

Quote from @Sanjay Bhagat: A investor in syndication invest in the person more than the deal.

And yes, the entire argument around wholesaling everywhere is that most laws that are being pushed against it (In the states where they are) are because of practicing real estate sales without a license.I am an attorney, but I don't give legal advice on here and never said I was giving legal advice so not sure where you came up with that, but your attitude suggests you will be part of the 99 percent of bad wholesalers who are out of business quicker than an eye blink.You are asking a lot of questions, which is good, but you should be asking them of local wholesalers in your area, in person, so you can see what they do versus what everyone on the Internet tells you.