The notion that Dave Ramsey's advice is for the poor or middle class is a fair argument in his methodology for real estate investing but when it comes to the tried and true staying out of bad debt and sticking to a budget; he could not be more spot on for anyone. 

Bottom line isn’t whether you agree or disagree; the articles reasoning, methodology and conclusions are predetermined and biased, so the article is beyond useless.  

I followed the methodology listed in the phila.gov website here - https://www.phila.gov/services...I got the BIRT and CAL, but when I go to the last step in applying for rental license for my property.

Things have changed and even a good engineering-based cost segregation study (the IRS' preferred methodology) is much more reasonable.

There is also likely to be a reduction for vacancy and credit loss (to acct. for turnover)Finally, while your lender will have their methodology for calculating DSCR to determine cash flow potential, when you underwrite your own deals, its important to both understand the differences and base it on your own situation, risk tolerance and unique advantages.Bottom Line - An important piece of real estate investing is to understand your cash flow and DSCR is the best metric to evaluate it.

This lowers GDP, which can lead to recessions (although they changed the methodology to not measure a recession by GDP so maybe this part isn't applicable.)

If you are doing a conventional financing, then they are likely following the same rulebook and methodology on your income as everyone else since it all needs to qualify for Agency financing. 

I know of at least 2 methodologies that I think are cannot miss.  

Would need to know more, but I've always preferred first hand research vs. secondary research until I confirm I trust the source and methodology of the secondary source.

I'm an industrial engineer by trade, and we are always focused on figuring out a fast or efficient way to get things done, so I'll try and write here in the forums about any new and unique analysis or paperwork methodologies I come across in the near future.