I had an excellent agent who had an amazing team behind her that got both deal done for me

Sometimes I combine those with Microsoft excel.

Do I just use an excel sheet to take 2/3 of each line item below the threshold as the expense amount?

Excellent article.

For buyers who are "just barely qualifying" this could afford excellent breathing room for them in the early stages of home ownership.

Lastly, I did two analyses: one with property management(as Brandon says you don't want to manage forever) and one without(I am looking to gain experience); additionally, I did some best and worst-case scenarios to get a picture of the extremes and I believe this property looks very promising.For my analyses, I created my own calculator on excel based on a template J.

Then use simple excel or Google docs to keep more detailed track to the level you want.

David Streeter is excellent.  

Seems like a lot, I have excellent credit, low debt and good amount of savings.

And that is excellent advice.