As for your tenants, two years payment rental history is a guideline, such income if received in the past year, expected to continue, that income can be a compensating factor.

Or are they the victims that will eventually give up?

Renting this property to myself seems to obviously blur the lines of what a commercial loan is intended for, however, if the business is being compensated for the home it also seems to be serving its intended purpose? 

Most agents dont take the time to explain how they get paid and most customers don't know how their agent gets paid. 6% is very high... my fee for buyer representation is 3% and normally the seller pays my fee, HOWEVER there may be a situation where compensation is not being offered (Like a For Sale By Owner) or a situation where compensation is less than my fee (seller is offering 1%) and I explain that I will always let my client know before showing them a property and they will need to decide if they still want to see it. 

The best part is I won't need to be shlepping buyers around when I'm 80 as I'll have a comfortable revenue stream thanks to Glen Sanford... the founder and former agent who believes that the agents do all the work and should be better compensated.

I wanted to start a discussion on employee benefits and compensation.

On a $75K loan 3% is $2,250.00 so that bank/lender has to fit their hard costs and the margin built into their rate which falls under their Loan officer compensation plan, or branch bucket.DSCR loan are usually a go to for lower loan amount since they are a Non-QM loan and High cost is not part of their rules.

As mentioned, I have $800/month savings potential, with no lifestyle changes whatsoever to compensate. 

So if you're renting to them, and they are superb renters as long as they are healthy, you have to factor in an equation of downside to compensate for this type of activity. 

Lets face it if the unthinkable happen were a tenants dog/cat or any other thing bits another tenant, visitor or young child walking down the street, we all know as the owner/investor/llc of the property you will be sued along side the dog owner by the victim for letter an "aggressive" pet into your property?.