paying mgt any landscape/snow/utilities?

I'm assuming you are arriving at your cash flow number by applying Gross income - cap ex, maintenance, utilities, vacancy, tax, insurance, mgt, landscape/snow & Debt service?

A monthly fee (typically around $5-20/mo) is added on to the payment.

It's a different business model than the typical broker-investor relationship.

However, these programs typically qualifies borrowers based on their income, such as tax returns.The DSCR would be a good option considering you and your husband are entrepreneurs and the tax returns don't look good on paper.

Typically will be rent by rent strategy (which is tough for none owner occupants) or College rental.   

This method typically provides an accurate, data-driven view before deciding to move forward with a property.

Typically, they will refer to this as the DSCR (Debt Service Coverage Ratio) of the property.

Outcome currently is a rented basement for $1,350 a month + $130 in utilities while I live in the upstairs unit.

Security Deposit: 2600Lease states no smoking/painting walls/no hanging things on wallsTenants have moved out and have left two truck loads of garbage to be removed.Damaged doorPainted walls which got on the ceiling and trim Lots of holes on the walls throughout the houseDamage from windows being left open constantly Weed was clearly smoked in the house (smell throughout the place) so we need to deep cleanWater bill wasn't paid so I had to turn back on utilityMissing keyQuoted costs:$450 junk removal (some furniture)$935 for damaged doors/windows, painting cleaning$30 for utility turn onTenants were only there for a year before moving out so a lot of this is beyond normal wear and tear.