You will need to prove that the property will provide enough cash flow to service the loan.

I would lean towards NO for bus. expense unless you can some how prove how it's related to said business.  

As LL i try to help my tenants during their tough times (not only during covid but with issues with kids, health, etc) but when I get this in return is a hard blow to the gut.

When I refinance say I have 10K stuck in which is not the goal, the goal is no money stuck in but let’s be realistic that’s tough in today’s times.  

From the brief research I've done this evening, I am quite intrigued and believe it will prove very useful. 

Stacked units are tough with noise complains all the time.

It’s going to be a tough call to make for sure!

I do love your idea of showing rent on 3 properties, but I would say that you may have a chance of getting one or two mortgages if you shop around, however 3 may be very tough without a solid W-2. 

I didn't believe him (he and I grew up in the same area our college was located at) and he wanted me to drive out there with him to prove it but it was like 1 AM and I refused. 

The market is tough down here but deals don’t come that often in Coburg, Oregon/ Eugene, Oregon.