Quote from @Zach Edelman: If you do a DSCR loan and vest it in an entity - you and your partner can both PG the note and it will report to neither of your credit reports, thus having no impact on your DTI! 

Also Mike, why is cash out higher with refi, do you mean just with the credit union scenario? 

Credit!

Even if they stopped reporting your payments the history would be there. 

I use the 3x rent for my first barometer, steady employment, good credit, and of course 3 years of rental history.

Why set a 600 credit score if it's negotiable?

Now 3 of the 5 taxing authorities give a credit for doing them on time which can be as high as $150 savings for me each month and I am not sure I would get that using Avalara.

You have to know your state landlord-tenant laws; they are on the internet:"In New Jersey, a landlord may need to give a 30-day notice to pay rent before eviction if the tenant has a history of late payments and the landlord accepts them.

Is the credit over 780 for both #2 applicants, or is that an average?

Verifying last 2 years of rental history very important!