I have minimal “bad debt” some auto loans and a personal loan but surly want to have little to no debt ASAP

I do the same when i get a mortgage I set it up auto pay and usually round up to the next thousand and pay at least 500 a month extra.. this saved my bacon in 2010 after being hammered so badly in the GFC..

I would recommend you have a rain day fund prior to starting with at least 3-6 months of cash saved.In addition, have little to no credit card debt or auto loans. 

CPA software defaults/auto-populates to 365, and your CPA left that default value in for whatever reason.

Currently she only has an auto loan.

Thats true Upen but its good to note that generally only the base or salary income can be used for qualification with out any waiting periods assuming the same industry.Using bonus/overtime/ auto reimbursement/commissions from a prior job will be hard to carry over unless it was a near identical position in the same industry like car sales man at chrysler to car sales man at a ford dealer or retail sales at AT&T to retail sales at Verizon Wireless.

My tenants are on auto-debit for the 1st.

jobs are coming back due to the auto industry rebound after the bailout. still a way's to go but a lot better than 2008. it looked bleak back then.you've got to look at what your rehab is. it could be $10k, it could be $20k or $30k. most average $10-$15k for making it a rental.Rob K does business in detroit 'burbs.

The people renting my place would like to set up auto-payment... that seems like something that would be advantageous for me.

I us a Auto-Renewing lease and they contacted me that they are going to have to find a larger home since they are expecting another child.