I don't usually do that but there was a flood that caved in a garage foundation wall during the due diligence period so definitely made sense under the circumstances. 

RyanThere's absolutely no guarantee that the lender who said your DTI was 52% knows how to calculate rental income correctly.

If mom and pop tenants are paying above market rent because landlord did not want to give TI and they do not disclose sales with weak guarantee on the lease and sweetheart terms then it's a bad deal for us even if area has high demo's for income and population levels etc.

You could always try it at the 90 day seasoning period.

Is your tool going to be able to physically call the assessor to find out what taxes are owed and how is your tool going to account for the timing adjustments of billing periods for taxes?

It also guarantees them a 6% commission (I know, should have read more thoroughly).  

PERIOD. 

It's no guarantee but it's a good place to start.

I can give you my best idea but I can guarantee you will lose money over time.

I dont have an issue paying the debt off, I just dont want to pay it off extremely fast because that wont help my score as much as if I were to make my monthly payments for a consistent/extended period of time.