That means there is not really an effect on the debt to income ratio neither positive (income) or negative (loss) but rather simply making that payment  non issue. 

Be sure to check out the free tools BP provides to help analyze deals you may have and also market insights.

is there a tool on this site? 

In today's world there are so many tools available to help you buying OOS. 

From the public website,The BetterLife Tribe program offers everything you need to achieve real estate success:Monthly Calls with Brandon Turner and top real estate experts, providing you with insider knowledge and strategies.1-on-1 Personalized Coaching to tailor a growth plan specific to your goals and challenges.Access to the reiOS System of Success, the exact operating system Brandon used to scale Open Door Capital to over $1B in assets.World-Class Real Estate Education and Tools that equip you with the skills to dominate any market.A Thriving Network of 1,000+ Active Investors ready to support, inspire, and challenge you on your journey.Seems like a great program like many do in the marketing materials

Any recommendations for free tools to do market research?

Even the most expensive property managers are EXTREMELY cost effective if you really think about it!

And diversification is a powerful tool in risk mitigation.  

Also, I am so grateful for the Bigger Pockets podcasts and tools/resources because a lot of what I've learned or clarified has been from listening to you all.Thank you for your time, and I look forward to learning from or working with you all!

I don't know about your state but mine (TN) has a lookup tool that will show you the agent's original license date, the brokerage incorporation date, etc.