o Full doc (pay stubs, taxes, personal DTI) or light doc (asset-based, DSCR)?

Thanks Andrea - I will pay attention to Toledo market as well.

It depends on the strength of the leases, quality of tenants, and about 17 other factors.Are they paying market rate?

I have some debt I am paying off quickly (avalanche) and am wondering if I should try to get two loans, one from VA for my house and the other traditional for a rental property spread out over time while I'm paying this debt off, or wait a few years and be much more debt free.

This is free to you as the Landlord generally pays commissions to this broker.

well, you do of course and yes, even if your DSCR lender does not pay to report to the credit bureaus. the credit report is not, nor has it ever been the arbiter if you have a debt or not nor is it the only way the an underwriter will see that you have a debt.)

You might want to do a little research on what are called pay for delete arrangements depending on how old your collection accounts are.

So I think I will also plan on the conservative side as well.I put our first rent check in the savings account after paying the mortgage. 

If the owner could sell the house and pay off the mortgage, they probably would have done so already.

I didn't implement it because I didn't feel comfortable setting up an official government-looking website and letterhead, tell them you will send them money to pay their taxes, then tell them that you can't.