But yes in general the income from the other units will bump up how much you can qualify.

This company does the due diligence so the investor does not have to pay for reports out of pocket.

And perhaps a brief tutorial on how to analyze, or understand the generated report.

I have their reports and its in high 500's/low 600's.

The get their info from info reported to credit bureaus.

However don't think they just "happen" and are reported like your primary residence exclusion.  1031 exchanges must be performed for you by a qualified intermediary and put in place prior to the sale of your old property.  

I have printed reports in-hand from the county website showing big zeros for special assessments.

.- You had mentioned that your DTI is reportedly 48% based on whose calculation?

Investor reportedly made ~10-15% (he purchased the tear-down almost two years ago for $850K).Some of our options for each house include:Rental house: Long-term tenants would happily buy from us and we could do owner financing, or we could tear down and build, or just keep renting it out (tenants prefer to stay).  

Zillow reports Homeowner's Insurance and Mortgage Insurance.