The higher the deductible the lower your overall Premium but get quotes on all the deductibles you are interested in.

We are on the top floor and have our own meter while the tenants on the lower two floors share one.

The problem was that after I made that down payment of about $45,000, I had very little money to keep expanding.I had to use multiple lower money techniques in order to grow over the years including:-401K loan for down payments on three properties-FHA owner occupied 4 plex with 3.5% down-Conventional mortgages with 5% down on 2 single family homes that I owner occupied and later turn into rentals-BRRRR method on one home to get all my cash back and buy another propertyThe next thing I'm doing is either refinancing or selling a property in order to get way more units.

The poor purchase decisions he was citing were largely OOS purchasers that did not fully vet the neighborhood and was purchasing in lower class neighborhoods. 

Maybe other lenders will go lower?

I'll go back Thursday and put out gel around plumping entry points and light off 3 more.

All goes according to plan my fiancé will have a real estate license by the end of October and I will start my next full time job on Oct, 8th.I am concerned about my eligibility to obtain a loan and would like to know if anybody has advice on how they would go about tweaking numbers by paying down debt and lowering the down payment to lower the Debt to income ratio to get approved or if they think I sound like I’m in a sound position.

Otherwise you've just incurred more expenses and lowered your ability to save. 

It will have its own entry way.

.- You may be able to qualify for a loan at a much lower interest rate than a loan to flip. - If you live in the house for more than 2 years, you may be able to sell without paying capital gains taxes.