They basically want you to prove you can make some income before they count a property as a generator instead of simply an expense.

The single family house, two-bedroom apartment and efficiency unit should generate $3000/month in rental income, while the PITI would be $1500/month. 

I guess I can wait a few more years, generating more money sounds appealing to me.

DSCR loans look at the rental income the property generates and not the personal income. 

Well they paid this one man to pick up trash during the week and go around and draw lines for parking spaces or fix anything that would break in three small food area that they also offered if customers got hungry or Thirsty.

The best I can do is having a custom shed installed (something about 6'x12'x6') out in the front yard (is this even being too generous?

I've got a long time customer that almost never looks at the good deals I send them, but send me deals that are trash. 

Another factor for multifamily property (5+ units), is the Debt Service Coverage Ratio (DSCR), which is a relationship between the payment for the property and how much income the property generates each month. 

Save for the next house from the cash-flow you generate from renting.

Easy reads and they use real person experiences to help generate a common ground for you.