New a/c unit and they said it wasn't working......I send the a/c guy over and it was in the off position. lol  So I pay the a/c guy for just turning it to auto.  

Bizarre - try Auto owners / company not an agency.

Everything is on auto pay and rents are paid online.

the lady I talked to said it counts against you when you do something like going from an IT professional to say something like auto mechanic because you're changing fields.

Now I’m working as a project manager at one of the world’s largest auto manufacturers.

It applies to auto as well.

We have about 50k in debt. 85% student loans, the rest is auto.

I sort of believe him, but I think this guy would be consistently late if not for the auto payments.One nice feature of these payment services is if the tenant is late with rent payments, it's reported to the credit bureau.

I have a down payment and great credit but the bank seems to think my D:I ratio isnt acceptable ( Ive since paid off two student loans and a CC and my wife paid off her auto loan ).

No I do not see this as an issue, many have stated that back in the 80s, the credit card interest and auto interest was eliminated and both have growth and seen new heights in their respective businesses.