you still have DTI and list your debts on your mortgage application.. but maybe a lender can pop on.. 

The properties themselves look like solid C+ properties and the financials provided look typical of a mom/pop operation, with some decent upside potential...selling at an 8 cap on actuals.Now, the biggest concerns I have is that these town are small, 1,700-2,500 population.

It didn't pop with my wife until recently, and she still doesn't get the whole acronym. 

Roof condition - popped shingles, missing flashing, poorly pitched drains/runoffs causing water seepage into propertyFuse panel - size, age, and is it aluminum wiring?

If not national tenant and more mom and pop interest rate is more mid 5's and up.

IRS will run its algorithms and this inconsistency will pop up as a red flag.

All my appliances have been brand new and have been working well but every now and then something pops up that becomes $200 service call.

The property market in our area was moving up and new houses were popping up on our street.

Your comment popped up for me because you mention your interested in Utah where I live and invest.

It's not that we want to spend $25 a pop running people's credit, it's that we can't do anything without it except recite poetry - and you don't want that.