I show them how to add some value for higher income, or partition off, or finish, or split off some land, etc. in order to bring in more dollars or reduce debt.

As long as the rental income covers your rehab and financing costs, you're good to go!

The DSCR's are 30 year fixed just using income from the properties rather than verifying your income .

Since we purchased it, we brought power back to the property currently set up as 2 RV hookups and additional outlets on a backer board (for a total of 200-amp service), had an RV pad and driveway put in, and had the developed year-round spring well brought back online - there will be a pump house built near the backer board this Spring (1st photo).

He verbally proposed an idea that I move in and pay rent on the whole property while collecting the income from the ADU.

If I get multiple apps I will start with the ones that appear to be the best qualified on paper (based on income, length of lease desired, past rental and employment history) and I'll run those first.  

Use online resources, public records, satellite imagery, and neighborhood data to assess the property's potential.

When I went online to check them out, they seem to be affiliated with other lenders too.

For 27 yrs i was a stay at home Mom and house wife with no income for the next 23 yrs. 

Any ideas how much single family houses in Butler beach can rent for in terms of gross income in a year?