@Patrick Thomas Dickinson The stress test is simply running my same evaluation numbers using 10% less in rents (reduce assumed market rent by 10%).

My first goal is just to simply stop renting and buy my own property where I can house hack or airbnb a few rooms out, However this will take me a few years to do at this rate I am at.

You may, along, the way, simply give up attempting to complete this.

If they ask for something I'm not sure about, I simply tell them I need to think about it and get back to them.

@An Nguyen I'll second Ben and Trevor above here . . . you'll eventually be able to do this with ease, and in the meantime you MIGHT be able to do this by simply occupying it for 14 days . . . so, how about a spring vacation to OKC?!?

I've gotten plenty of attention from my "work shirt" and hat while simply shopping.

Or do you simply take videos/photos during your initial view of the property and send it to them prior to making an offer? 

Here were the keys:  1) Got tenant to agree the damage was due to his negligence and he signed a statement to that effect.  2) Got him to sign a Promissory Note (found it online for Oklahoma and simply copied/pasted) saying he would pay the full balance due by minimum of $200 payment per month due same date as normal rent. 

I on the other hand do not think it is fair for someone who has been foreclosed on to simply find a loophole and say they never had a face to face conversation with the bank to rectify their mortgage.

In your case here it sounds like you do; then it simply becomes a cash-out refinance of your primary.