.$4,000 x 0.75 = $3,000Monthly Mortgage Payment: Assume the total monthly mortgage payment (PITI + MIP) is $2,800.Result:Since the adjusted rental income ($3,000) is greater than the monthly mortgage payment ($2,800), the property passes the FHA self-sufficiency test.Importance of the Test:The self-sufficiency test is crucial for borrowers looking to finance a 3- or 4-unit property with an FHA loan.

Thank you for all the responses.

In the past, I've had great responses and found excellent section 8 tenants.  

This is particularly important as I prefer to self-manage properties, and accurate cost estimations are crucial for maintaining profitability.Scalability: These rules help in maintaining a consistent evaluation metric across multiple properties and markets, aiding in scaling my portfolio systematically.That said, I understand that each investment should be evaluated on its own merits and that these rules may not capture the full picture.

We haven’t modified rent and the tenants were placed using a state program to make them financially responsible, which has worked out minus the claims of home invasion. 

This would set a very bad president of placing a tenant in a position of being fully responsible for your property.

If unfavorable response, sue seller for the $3500.2) They're called estimates for a reason.

Your response is based on your skills and personality, but I wouldn't even think of hiring an attorney or panicking over this issue.

@Greg ScottThx for your quick response.

Ive inquired since that check with no response.