If for no other reason, it seems that I’d have a much better understanding of pricing our rental in general and a good baseline to make decisions in the future. 

The feedback seems a bit general or maybe you just condensed it for the post...If not, I'd personally have a chat with your agent about what they are asking in those follow-up questions and hope they are assertively making those follow-up phone calls with your showings.

There's honestly good, general advice above, but the answer to your question is really simple. 

My wife and I have overhauled our personal budget to reflect the 'pay yourself first' approach (allocate in order: income comes in -> invest -> donate -> fixed expenses -> variable expenses -> fun $$).We are looking to see what experienced people generally recommend for a holding tank for that 'invest' allocation while we target our first real estate deal.What financial vehicles have you guys used that works well for this?

I think your questions are a bit to general and you are going to get even more general responses.

A higher LTV generally requires a higher DSCR ratio such as 1.25 instead of 1.

But it’s just hard to understand unleee you know actual government households, the exact dynamics of government employed households & in general how much life style spending goes on the area that can easily be cut back.Right.

They generally treat the debt like they would with a rental and count around 75% of the gross mortgage payment as "income" in the DTI calculation.

Having a "master" accounting software allows you to blend all property-specific info with general business info to see your full financial picture. 

I generally stay out of politics, but I’m interested in hearing investors' perspectives.