There should be previous accounts on his report that went bad and then were "charged off" which could tell you what some of it was.

I'm doing some math on a couple houses and I figured I'll reach my max DTI after two houses with a typical local bank and their conventional loan products. 

So is everyone else who can not get a conventional bank loan. 

Also, can either of you tell me why you don't really hear of anyone charging rent on a bi-weekly basis? 

Based on your payments, you could charge your tenants to cover your solar payments.

I scrape my data directly from the county GIS server though, and it's basically the same data, although I have to figure out who's an absentee myself by comparing addresses (and the conventions like St vs Street aren't always consistent so it's harder than it sounds).You can probably just go to your local assessor's office and see if they can get you a spreadsheet.

Conventional lenders always have a disclaimer regarding which states they operate it.  

I believe they only charge a small fee for rent payments and reports.

Yes if you owner occupy you will qualify for an FHA or conventional loan.

With conventional loans, the sourcing of down payments seems to be very restricted.