Im self employed, roughly make $130k gross anually, 1099 NEC , no debt at all, 740 credit score. 

You would only pay taxes on all passive investments in a traditional SDIRA at distribution, unless you have a mortgage, then the portion of the income derived because of the mortgage will be subject to UDFI (unrelated debt finance income) which will trigger UBIT (unrelated business income tax). 

Key Check gave me credit and debt load, which was surprising, as most other methods people don't share.

if his income is strong enough and not as much debt, he should be OKHope that helps..

The primary requirement is that the expected rent would cover the mortgage on the home - and that expected rent is typically determined by a combination of the appraiser and some service like airdna (a site which determines fair market rent).

The challenge we're facing is the lack of short term rental data for the appraiser, and we won't know if it will meet the debt service coverage ratio (DSCR) requirements until the appraisal is complete.Has anyone dealt with a similar situation?

Combined income is 3X rent.

What if you're a cardiologist with no debt and making $250,000 annually?

Eliminate debt, establish a budget, and save.

The total deal with debt was above $10M but the total equity in the deal was around $4M.