WIth the new FHA & Fannie Mae legislation, many lenders are forecasting the rental income from additional units, even if they're not a zoned duplex.

They already "made it" via what there doing for active income. 

I ended up with 12 properties and 20k/mo in income after they were paid off.

And big one is a reputable seller. what i saw in Detroit in the day ( and I suspect it was somewhat the same in Cleveland low income areas) which pretty wild abuse.

I am not saying 25% threshold, I am saying they should work or have another solid way of income and can contribute a healthy portion of the rent. 

What's your income and how much money do you have in the bank would be the first thing I would consider.

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.

Then my passive income would solely come from stock investment.2.

These loans are based on a property’s rental income rather than your personal income, making it easier to qualify as you expand your portfolio.Networking and Mentorship:You’re already off to a great start by reaching out here!

Just a few hours of preparation could have saved you many hours of effort, a lot of worry, and thousands in lost income.