Other options out there include some of the ones already mentioned: RentReadi, Buildium, Avail, TurboTenant and Appfolio.Each come with pros and cons so its up to you to see where the priority in workflow is for you! 

I graduated college (mistake) last year, I have -$16,000 in debt from the first year I attended.

Hi Ayyoub Research is the key, Conduct thorough market research to understand why the competing property is listed at a lower rent, Consider any improvements or upgrades that could enhance the appeal of your property to potential tenants, If you're unable to match the lower rental rate of the competing property, consider other incentives to attract tenants, such as offering a shorter lease term, including utilities in the rent, or providing additional amenities.Hope it helps.

Or included.

You are simply paying down debt significantly faster than those who use those calculation.Also, if possible do not sell.

Credit Score: A minimum credit score of 620 is generally needed for financing a rental Debt-to-Income Ratio (DTI): Lenders will look at your DTI to ensure you can manage the mortgage payments alongside your existing debt.

(I've included what I use below).

My Dad used these in the late 70s into the 80s its a very clear and concise debt instrument that actually explains these wraps very well.It was to my knowledge first created in California were we had our operation..

So, clearly the appraisers find these documents valuable enough to include in the appraisal.- Any info to be provided to the Appraiser MUST be provided when the Appraiser first makes contact.

A good Realtor should be able to explain the Closing Disclosure (including closing costs) to you line by line, but really your lender is responsible for educating you on your closing costs inc. their fees, prepaids, points, etc.