I think if you structure the file fluidly to anticipate all these areas the underwriter in most cases will sufficiently be able to document the file with just the letter I mentioned above to proceed to docs.The self sufficiency rule above is the hardest because in the past all 4 units had to be greater than the full PITIA (principal/interest/taxes/insurance/assessments) but recently FHA changed this rule to 75% of the rental incomes of all 4 units has to be greater than the PITIA which is a much more restrictive rule basically forcing out properties in markets which  have lower rent to value ratios like most parts of orange county, most of los angeles,  most of seattle, Austin core down town areas, Dallas core areas, and other more expensive areas.

Real Estate Rewind Starting overhttp://www.biggerpockets.com/files/user/brandonatbp/file/real-estate-rewind-a-biggerpockets-community-bookGood Luck Paul 

Real Estate Rewind Starting overhttp://www.biggerpockets.com/files/user/brandonatbp/file/real-estate-rewind-a-biggerpockets-community-bookGood Luck Paul 

Real Estate Rewind Starting overhttp://www.biggerpockets.com/files/user/brandonatbp/file/real-estate-rewind-a-biggerpockets-community-bookGood Luck Paul 

Real Estate Rewind Starting overhttp://www.biggerpockets.com/files/user/brandonatbp/file/real-estate-rewind-a-biggerpockets-community-bookGood Luck Paul 

Real Estate Rewind Starting overhttp://www.biggerpockets.com/files/user/brandonatbp/file/real-estate-rewind-a-biggerpockets-community-bookGood Luck Paul 

On 5-2-16 someone filed a "affidavit term of joint tenancy" to take my mothers name off since she is deceased to make a clear title.

Real Estate Rewind Starting overhttp://www.biggerpockets.com/files/user/brandonatbp/file/real-estate-rewind-a-biggerpockets-community-bookGood Luck Paul 

We have filed eviction to local county court numerous times and tenants moved out.

I wasn't suggesting to file a claim against the tenants renters policy for a $400.00 charge.