First as a painter/accountant with a commercial painting contractor. 

DTI < 33%I've been constantly getting advised by my real estate agent (& i've discussed this with multiple agents) that if I add any contingencies to the offer, it won't stand a chance in the bay area market.If that is the case, how do I protect myself from challenges which could be found during home inspection / pest inspection related contingencies?

gothca there should be a brokerage with with a flat annual fee.. 

Can you imagine actually communicating with your borrower?

I recommend that you work with an accountant that has experience with real estate taxation and partnership tax returns. 

I agree with the others. 

Some realtors may have ethical problems with this.2.

If you are buying cashflowing properties, your DTI should improve with every property.

Spend the money for peace of mind now.Also, make sure you're getting paid for the risk you're taking on with the foundation issues.

You may be better off with a higher rate and the flexibility to access the equity in that property to grow your business or even bail you out of a jam.