The appraisal should be coordinated by the bank that is loaning the funds for the purchase.I would strongly recommend using a buyer's agent, and they might also be able to verify that you are paying a fair price, and handle all of the nuances of the sale (purchase agreement, inspection, might be able to recommend a title company for the closing, etc).

First step is to verify the total due on the loan.

We'll just verify employment and it shouldn't be an issue." 

But based on my criteria I would tell them that we require 3x's the rent in verifiable income with 3 consecutive pay stubs.

The very next house is identical to my property and is a 3 family.

For instance, consider two properties on the same block that are virtually identical but one has a carport.

In addition to the 7 federal classes, this state adds:Public Assistance (Sec. 8, welfare, SSI, TANF, etc), Sexual Orientation, Gender Identity and Expression (including transgender), Marital Status, Military or Veteran Status, Age (except 55+ communities) and AncestryYou can discriminate against non-protected classes, like illegal drug users - but if it has a disparate impact on a protected class, it still may be subject to challenge.If your unit is not de-leaded, you can still not refuse to rent to a family with kids under 6 years of age.

This is not locked out because I forgot my password it was because my identity needs to be verified.

So..... your realtor got all this info and DIDNT VERIFY ANY OF IT before accepting the applicant to move in?

It's important that you understand how your expenses and taxes effect your bottom line, so keep on doing what you are doing, but have a CPA verify that you are on the right track.