Aside from the items that you already suggested, the only other thing you can use to verify the stated income is the seller's bank statements (not all sellers will release their bank statements, but some will).The expenses will vary a bit from owner to owner, so you're better off reaching out to a local property management company to get an understanding of how much things cost, unless you plan to self-manage the property. 

Food for thought...

The lease already spells out the property owner's responsibilities regarding who is responsible for the repair of certain items like the fridge and AC. 

Through observing what many of these out of state or passive real estate investors (your most likely client base)  prioritize in these forums two items that jump out are avoidance of major capex repairs and asset protection.

-----Note: Most of these items correspond with terms in our rental agreement and property rules.

Look at a harder type of removal… not sure what that would look like but I’m sure would require an attorney - but suspect I may have some options given I live on the property and I’m uncomfortable with house guests + other issuesI take ownership for some of this because I let a few items slip trying to be accommodating.

Just some food for thought.Typically from my experience, a lender that is willing to do a "blanket" style loan, lends from their own portfolio.

There are too many D/D items to go into here but you can always start with the Texas Real Estate Commission website and search for prior actions taken by TREC against your current or future brokerage.

If you have tax planning and complex items within the return, I could see it getting there but it seems a little bit high.

Hello Austin,I would definitely ask the lender about the 2 line items for loan origination, though 855+855 = 1710 which is exactly 1 point of 171k.