That variable income probably doesn’t have a history of two years plus or the continuity of income wasn’t verified by your employer (thus the last moment Verification of employment) and request to payoff auto loan. 

No idea what your income is but add the net on IRS income taxes and 75% of what the worst case rents will be vs primary PITI HOA, all credit card/auto/student/HELOC payments and the new PITI 

"Customers using the program will be evaluated for a home loan not by credit scores, but rather factors such as their history of making rent, utility, phone and auto-insurance payments on time, BofA said in a statement Tuesday.

If you hire a mechanic to do an oil change who does not know how to check the oil being concerned is not micromanaging...

Basic stuff but basic stuff that takes up an agents time to get to you such as current rent, market rent, mechanical ages and things like that.Over the last 10 months gone over about 1,100 properties for investors.

Leave out the word "insurance" .... auto correct. ..homeowner owns ...

Student loans, auto loans, credit cards are all your friends here. (2) DSCR loans are for non-owner occupied properties.

Quicken (Quickbook’s little brother) is $50 and overkill for what you’re asking but it can help you with your personal record keeping, auto enter bank and credit card transactions, keep track of expenses that are not property specific and yet you want to deduct from your taxes (cell phone, internet, accounting software, computer, etc…)It will let you track each form of income and expense per property and not related to any property. 

I own 2 condos in Northern Virginia for the past 8 years and I have always paid the HOA fee auto pay every month.

When you call a tree removal company specifically tell them you plan to need the tree craned or otherwise mechanically lifted/supported for removal.