What's the point for commercial lenders to consider individual's DTI for a loan on an income producing property owned by an entity? 

Rather than give advise as to the feasibility of your project, here are the initial steps you can investigate to determine the likelihood;1.Go to the local overseeing zoning body.  

or are you just scooping up small-minimally producing cash flow properties to build up your portfolio in general? 

Yes I ranked  my website #1 in mere 3 months... but that did not magically produce leads.1 year later and I finally discovered what the secret is to lead generation success...It is getting leads,  that will rank you #1 on Google.

Having a little brain freeze.I feel like it’s not “fair” to the property if I don’t use 4 (charge myself rent) because it doesn’t give a good idea of what the property will produce after I move out in a year....

The value of the building is tied to the income it produces.

Potentially sounds like long term renting would not produce great tenants and vacationers may not want to be next door to people who live there but going to keep doing my research.

I am absolutely enthralled with the podcasts that were produced by Bigger Pockets, they are awesome!

I believe what they are suggesting is stripping the police of some of their responsibilities, having the department less involved in situations where a separate government body might be deployed to assist.

Last option is to just move on to the next deal if you cannot produce a valid POF