This excludes any commercial RE owned for my businesses, which have 0 leverage. 

I'll add on to what the other Ben said and mention that there are exceptions based on the # of days that you rent out your home to where the income/expenses are excludable (being lesser of 14 days or 10% of total usage if under 140 personal use days).

The program is designed to assist low-income families, and these benchmarks might exclude a lot of qualified people.That said, the requirement for stable rental and work history is reasonable, but you might consider relaxing the credit score or income requirements since Section 8 guarantees a portion of the rent.

This criteria happens to pretty much exclude all S8 applicants. 

I like to rent to "untouchable" applicants like these with something in their application that excludes them from 90% of the market as long as I can get a premium rent amount for doing so and adjust for the risk.

It's easy for contractors to make a fine print note saying they have excluded some aspect of the project and then you have no ground to stand on when they tell you it will cost extra to have it done. 4.

In that case, would that be excluded from my DTI ratio?

There are still quite a few of us in the middle though (see how I excluded myself there?

You'll then see that delinquency rates are:- At their lowest point since 2006- Historically on the low side of normal - On an overall downward trend for the past 4 yearsIn fact, excluding the artificially propped-up mortgage market of 2004-2006 during which delinquency rates were slightly lower than they are today, bottoming out at 1.41% in 2005, there are fewer mortgage delinquencies today than at any time in the past 33 years.By the way, when these scant 1.73% of homeowners become delinquent on their mortgages, they overwhelmingly have the equity to be able to sell the home at a gain if needed.

Do they do pretty much take care of everything excluding replacing broken big ticket items like furniture?