For example it does not consider who pay the utilities, obviously if the LL pays all the utilities, the net is lower. 

Mike, My recommendation would be during due diligence for a potential purchase, ask for past 12 months of all utility bills, property taxes, and any other municipal requirements like rental permits, occupancy inspections etc. 

So far, it's been an effective strategy, and I've gotten some really good returns utilizing it.I think more property managers should consider it.

Monthly expenses will include mortgage payments, property taxes, insurance, utilities (if applicable), maintenance, and reserves for repairs.You’ll need at least 3.5% for an FHA loan or 20% for a conventional loan, plus cash reserves.

no rent coming in but expenses were low - just utilities and insurance. 

More specifically can you get utilities to the site?

What utilities does the landlord pay? 

@Jay Hinrichs is correct.However, the following seasoning periods are what I am working with on the DSCR programs that I utilize for my clients.

It took a little bit for me to understand how to best utilize them team since there are a few different people on your team. 

If you use different sources it will be difficult to calibrate the different scores, but think of it as a percentage of the max available score.This particular score seems to be based on an applicant's credit history, including payment history, credit utilization, and credit availability.