Just the kind of information that I wanted to know about the Agents and Brokers fighting each other for the right to sandbag my Listing, while my property sits there with no Flyers and the Agent I signed on with, gets other helper Agents to do the Open House once a month with the lock box on the front door to let in the other Agents and none of them know a damned thing about the property they are showing.

.- FHA guidelines require student loans in deferment to be calculated toward your DTI at a rate of 0.5% of the outstanding loan balance each month.- If you purchase a 3-unit or 4-unit property with an FHA loan, the property will need to pass the FHA Self-Sufficiency Test.Let me know if you'd like to talk in detail about your situation and help nail down a specific plan.If you're looking for a great real estate agent here in San Antonio to assist you as well, I'd recommend connecting with @Hamp Lee III

Are they the only heir with no mortgage and no other outstanding debts the estate can’t pay?

I'm really not trying to be mean, but the fact that you needed someone to explain how you can sell a home with an outstanding mortgage means that you are a long way from being ready to jump into real estate.Don't spend a dime, on real estate or any courses or "programs."

(You could certainly point the finger at your loan officer or broker, but pointing fingers doesn't fund loans.)2) Straight from fannie mae: "If the credit report does not show a required minimum payment (...) the lender must use 5% of the outstanding balance as the borrower's recurring monthly debt obligation."

Also, your FICO score, while descent, isn't 'outstanding'... so you are probably taking a little bit of a hit there as well.   

@Nicholas Zaharevich Wow no vacancy in 7 years that is outstanding! 

Surprisingly, property taxes paid to date but I want to make sure there are no mechanic liens, outstanding utility bills, IRS liens, etc. 

Philly taxes and fees are pretty damn high.

This was a result of outstanding rent appreciation.