These are professionals with additional training and a stricter code of ethics.

Once you have read, underlined, highlighted and taken notes on that book, then I would move on to finding additional resources and groups.All the best! 

In addition, to factor in their debt load, I require the rent + monthly debt payments to be no more than 45% of their GROSS monthly income.

Your best and most efficient option would be a DSCR cashout refinance, more than likely.

Additionally if you're running an active business in the IRA the income will have to pay UBIT.   

Quote from @Nick Am: @Michael Plaks--> The SE taxes are STRICTLY NOT in addition. 

I moved to miami and it's tough to do here columbus land is cheap. lower than lenders even require our buyers have to come up with additional equity just to close the loan. not sure austin's economics but happy to look at a case study with you to see if it's feasible 

That said, if you feel you want to go above and beyond, then could could try contacting some of these apartment complexes directly and confirm her story with them but if you can easily find another qualified applicant why would you take on this work and additional risk.

These are professionals with additional training and a stricter code of ethics.

Maintenance/cap ex, insurance, if a rental PM, bookkeeping, misc.The fact you have a loan means 1) leverage 2) equity pay down.In addition, there are tax benefits.So I will do some rough underwriting as an OO non-rental at 95% LTV (because FHA has some undesired consequences that make the 1.5% difference in LTV worth avoiding the FHA).equity paydown: 20% (using OP interest rate at 95% LTV and not counting closing costs).