Essentially what I took away from her explanation was, a lot of owners don’t want to fool with the county on things like this if they don’t have to, which I can understand.

Having clean books will do the following:1.

I would recommend you read the book 'ninja selling,' as it provides you with a solid plan and schedule filled with action items to follow and execute to get results (if you follow it) And its not cringey, salesman strategies.

Up to this point we've managed it on our own, but we are entering waters we don't fully understand how to manage. 

In hindsight it seems clear that you should not have paid 75% upfront.Based on your description of where you are right now, I think that you should take the following into account as you go forward.A “good” attorney will most certainly cost good money.

If the newbie user can't explain or doesn't understand the data, then they know they have an educational video to make.

My understanding is that when renting out rooms in a primary residence, the income is classified as boarder income and isn't counted towards DTI, as outlined in Fannie Mae's guidelines(https://selling-guide.fanniemae.com/Underwriting-Borrowers/I...).

.- When do the payments start and endThis is a little tricky for some real estate investors to understand.

It has made a huge difference for me understanding my data and I have nothing negative to say about it at all. 

If you do this you can potentially include a higher security deposit but you want t make sure to follow state laws about that.I understand that people may be improving their credit due to life circumstances.