Eviction typically involves court costs and attorney fees, so weighing these costs against the amount owed is important.Ultimately, consulting with a local attorney will provide you with tailored advice based on Texas laws and your specific situation.

a) Get a pre-approval from ONE of the lenders and use it to put in offers.

Property tax is public record, you can look up a neighbor's property.Ask a neighbor about their utility costs.Call an insurance broker and get a quote based on your build specs.

Let's dig into some of the other numbers as well to ensure you have an underwrite that is conservative so that you have "all your bases covered" in terms of risk. 

Payments based on 15 year amortization with 6% interest.  

. - MLS data - This is challenging to get now that the MLS has cracked down on offering it to non-MLS platforms.

I'm considering asking if they would loan based on the appraised value if we used our own money for down payment.

He offered a price, it worked for me and him both, so I took it.

Tax (and often even zoning) designation don't change the comps for what it physically exists as.Is a residential appraiser telling you this, or are you basing this assessment only on your own understanding of these classifications? 

DSCR loans offer alternatives for DTI/income and employment, but generally still have strict personal credit requirements.