Additionally, my rental was under renovation until April so I had a few months of vacancy which the underwriter counted against my income (rightfully so).Now I'm finishing up 2014 taxes and I want to ensure I display everything (of course legally) in a way that maximizes the amount a conventional underwriter can approve.Rental incomeI know I cannot use any net income from rental towards my qualifying income.. ie: If my gross income for the rental is 50k and the debt service/taxes/ins only cost 20.. 

There is also a lot of missing data.  

We use Quicken, and I transfer that data to Excel so I can more easily manipulate and forecast from it.

we dont have the data we need. 

You ask about their returns and they will usually tell you or at least they will provide some data so you can figure it out yourselves.

This is a great strategy to build wealth in a relatively safe way that ensures a low rate and 30 year money!  

It's not for the faint of heart and you have to have a BULLETPROOF management system that ensures you get payment and your properties are taken care of!

Realty Trac has been sound in my investment experience; however I'd caution you not to get lost in the data but focus on your personal strategy, I know people who made alot of money during the real estate dip, vice versa, I know people who have lost alot of money during this incline.

The letter needs to say the form of the adverse action, where the data is coming from, that the screening company was not involved in making the decision, and how they can dispute and get a copy of their report.

Begin to Save Money, ensure personal finances are in order.