A typical analysis would say if my projected rental income (conservative modeling) dropped 10% and occupancy dropped to say 81%, am I still able to B/E and pay the debt and provide what level of CoC return to my investor.  

Try and keep the existing debt in place next time @Wanda Croft!

@ Deandre Prescott Within 6 month:-There is no waiting period if its  documented that the borrower acquired the property through an inheritance or was legally awarded the property(divorce, separation, or dissolution of a domestic partnership).After 6 month its simply cash out. 

Im just not sure how it would work out if i had a high debt to income ratio even if i had all three units rented out. 

Once the debtor reaffirms the debt, is it a given that the debtor will begin making the regular monthly payment as well as the payment towards arrearages during the term of the plan?

Deferring your business debt works because it allows another party to pay the debt (your renter), you keep the tax deduction (the interest that is paid), and you gain more cash flow.  

We have been debt free for 5 years, so no credit score.

What about lawn care/snow removal, pest control, legal, accounting, and other miscellaneous expenses.Are there other Rehab/repairs needed other than the ones mentioned?

So if you sell the NJ prop for $300k, with the above mentioned $100k debt/$200k equity split.

Looking for long term debt.