I personally believe that landlords can be great change agents in a community.  

Let's goo.No DTI calc on a DSCR :) also, you may want to consider refinancing your other investment properties into DSCR loans or a portfolio under an LLC to remove them from your personal credit…that should help your DTI/utilization/credit scores.

A mentor is someone who takes you under their wing, usually because they have a personal relationship with you.

More standard income variations are: asset depletion (using reserve distributions as the proposed income) or average personal or business bank statement deposits over a 12-24-36 month period. 

Unless there is an offer deadline, I personally think order of offers has influence on sellers.

We had personal savings and put down 5% with a conventional loan.

While I haven't personally experienced a tenant causing major fire damage, here are a few thoughts and suggestions based on what I've learned from the BiggerPockets community:First and foremost, I hope everyone is safe and unharmed.

If a buyer has good credit he can get a personal loan to buy a property, and hence “nothing down”.  

As a follow up question, do you need to provide the documentation at the time of your filing?

If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.