This is somewhat hard to follow but I think what you're saying is that your business partner filed a personal articles insurance claim and they ran a loss history report on your partner when applying for insurance on this duplex?

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.

I looked on their website and couldn't find any cost amount, everything points to the ladder trap (free webinar, followed by free 3hrs class, followed by free weekend class with $$$$ VIP option, followed by $$$$$ enrollment, followed by more $$$$$ for "advanced training/tools/program").And I looked at your profile - "passion for learning.

@Moderators will remove them quickly if you report them (use the "..." below the post to report).

Thanks for all the help in advance 

Thanks in advance for your insights!

Get all of the necessary info - leases, contact info, tenant ledgers, inspections, amounts of security deposits and advanced rents.3.

If you look at the report, this deal has such a low CoC return due to a high amount of expenses. 

Thanks in advance,Rob

Present the inspection report to Seller and ask them to address the issues.