Are they counting 100% of rental income towards dscr or only partial?

Unless something has changed, If you do them all within 30 days of each other this should only count as one inquiry on your credit. 

Don't count on any one info source.

Since it is a single family home with an adu, they are only counting the lower unit for rent income. which only covers the mortgage.

I intend to keep up the momentum until I am confident enough (with my ever-growing knowledge-data-base) to start analyzing and figuring out clever ways to get rental properties (multi-families to small commercial/apartment complexes).So let's get right down to it: My Goal:Financial Independence.My Why: So I can be there for my kid when it counts.

Generally though, you wont pay taxes on a refinance because it doesn't count as income.

If you don't have any balance out, it doesn't count against your DTI.

An additional bedroom will definitely increase the rent month to month and while an additional bath or half bath helps, the bedroom count will be the most significant. 

The last thing you want to do is destroy some elderly person's nest egg because they're counting on you to avoid foreclosure.

I wouldn’t count yourself out.