For you, choosing will be based on different things such as how steady the area is where your property is, your plans for investing over a long time and the state of your money matters.

Ask for a comparison based on the current coverage and also any recommendations for better coverage. 

If I'm in your shoes, I recommend chatting with some local investors (attend a few meetups) to get a good sense of whats possible and not based on others that have a similar W2 scenario as yours. 

We take this to mean (based on 100s of real tax court cases) any activities integral to the business of running a rental.

Then negotiate based on that.

Smaller industrial properties have maintainedimpressive occupancy rates and rising rents for several years, and in recentmonths they have increasingly stood out as one of the best-performingcategories of commercial real estate.To learn which U.S. markets have the most acuteshortages of smaller industrial space, CoStar ranked the 60 largest U.S.markets based on the composite scores of three criteria: current availabilityrates for industrial buildings smaller than 50,000 square feet; the mediannumber of months on the market of 10,000-25,000-square-foot industrial spacesleased in the past 12 months; and the median number of months on the market ofindustrial spaces smaller than 10,000 square feet leased in the past 12 months.

Analyzing 1 year of data from: 2014-12-20 - 2015-12-20Total Properties Sold: 4887Properties Sold to Plaintiff (back to bank): 3155Properties Sold Third Party (real people): 1147Properties Sold Unknown type: 585Percentage of properties sold to third party: 23.5%Based on the analysis of the properties that were sold to third parties it is also possible to see how much the properties were sold for compared to their market value or some other trait.

I'm sure they price the product is based on the potential returns if an investor works the program diligently.

We look primarily at the property and the numbers to determine if it is a good deal.  90% of underwriting is based on the property not the borrower.  

Zillow gave me a rental estimate which is based on 2-beds and rentometer did not include data for 1-beds since it was searching within 1-mile radius.Is it a good thing or a bad thing if there are no 1-bed 1-bath in the vicinity?