Most lenders will use the middle of your three credit scores and if there's more than one applicant, the lender will go with the lower of the two credit scores.

To receive the 4% ratio, you have to submit an application showing the property is your primary residence.

If you haven’t already, consider learning underwriting software or creating a detailed spreadsheet model to speed up your analysis and make apples-to-apples comparisons across deals.Third, as you’re building your team, focus on finding partners who align with your goals and strengths.

@Logan Allec is 100% correct, as usual.What your accountant missed is a checkbox in his software.

Review the quality of the tenant base (do they have a history of paying on time, what were the original screening criteria, do they have applications on file).

I'm in the process of building my portfolio into the program but am concerned on it being a turn-key property accounting software.

The only issue is with a bit lower rent there's a higher number of applicants that won't qualify but I don't mind the volume to get it filled. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

(Do you really want an applicant who can and wants to move in tomorrow?

However, the people who use rules of thumb don't have sophisticated software that can analyze deeply thousands of potential deals every day!