Even without tax returns, there are a ton of program like CLEAR, CoreLogic, DataTree, etc, that are used to find undisclosed debts and properties. 

I just facilitate the sale and collect my fee at closing.4.

If you only want to collect payments and not use all the service that a PM software could provide, I would say check with your current bank and see if they offer ACH services.  

At 80% LTV that is over $800k of debt.  

Lenders typically look at your full tax return (Form 1040) with Schedule C (for self-employment income) or Schedule E (for rental income) to verify income.To qualify for a home loan, banks generally require:At least two years of reported self-employment income.Tax returns, bank statements, and possibly profit & loss statements.A solid debt-to-income (DTI) ratio to ensure you can handle mortgage payments.If you’re newly self-employed and don’t have two years of tax returns, you may need to look into bank statement loans, which some lenders offer based on income deposits instead of tax returns.

That’s 850K worth of debt.

On the first DADU, market rates were great so when I completed the construction, I put into a condo structure and immediately refinanced and was able to get both around 3.5% as investor property condos. my second DADU has no debt.

So, if someone has a few "SubTo" properties, they have the debt of those properties and they have to make payments on them.

Hi does anyone have experience with providing direct STR stays (so not through Airbnb or VRBO) and charging, collecting, and remitting the local Chicago hotel tax?

The math on DTI for conventional loans is:Rental 1: $1K/mo - rental 1 expenses (PITI and other costs)= $200/moRental 2: $1K/mo - rental 2 expenses = $200/moW2: $11K/moIncome = $11.4/moOther debts (not rental loans) $3K/moDTI = $3K/$11.4K = 26%So if you truly have positive CF then you don't have a DTI issue due to these rentals.