What's your monthly gross income?

I mean they do it for low income senior residents and the multifamily affordable apartments that been there for a while.

So do you say in your screening criteria that if total debt plus monthly rent payments = greater than 45% of gross monthly income, you will deny the application? 

Landlord Tenant laws are challenging but if you invest in the better neighborhoods, you are less likely to run into the issues landlords customarily face in the low income areas of the city.

Suppose you are personally sued; during the discovery process, you must provide information on all of your income and assets (including your LLCs in any state (with or without anonymity).

Now 75% of legal ADU rent can count toward income to loan. 

I'm disgusted I have the payment page on up my screen right now, and was ready to pull the trigger waiting for my son to show up with his credit card. living up  with the very expensive price and the lack of any real support, and not refunding hard earned money.

Adding that extra unit will reduce your risk since you are adding another income stream to a property you already own.

I want to use this post to give a little insight on why I love commercial investing.How The Property Value is DeterminedThe beauty of commercial real estate is that it largely only comes down to 2 numbers: Net Operating Income (NOI) and Cap Rate.

A no income no doc DSCR (debt service coverage ratio) would be a great option for you .