Multiple evictions will result in denial.8.Long term rental history or home ownership is favorable.Residence history that shows an excessive number of moves within the last seven years will require additional security deposit.9.If residency was out of state within the last five years, an additional fee may be necessary to conduct an out of state background check.INCOME/EMPLOYMENT HISTORY1.We will examine the most recent two years of income history.We will not consider unverifiable income. 2.We require sufficient and stable sources of income, equal to at least 3x the monthly rent.We will consider income that is 2.5x the monthly rent with additional security deposit.3.To verify income, we may request documentation such as pay stubs, benefit award letters, bank statements, retirement accounts, and tax returns.4.Long term employment history in the same job or profession is favorable.5.Short term, temporary or seasonal employment may qualify with additional security deposit. 6.Self-employed individuals must be able to verify their income through tax returns or bank statements. 7.Retired and unemployed individuals must be able to demonstrate they have sufficient resources to pay living expenses.

My lawyer justified his lack of demand for documentation by the fact that our lease is clear on who can live in the house and that written authorization is needed for any additional occupants meaning that stipulation alone would be sufficient to get an eviction, but I disagree with him thus all the work I did collecting evidence. 

Is Carroll County more of a hard working area with people who are self sufficient income wise???

We know that we have to be self-sufficient and that there will be no pity party for us if we are unable to make our mortgage payments.

It all revolves around the asset itself so the most important factors are that the DSCR is 1.00+ , your credit score is sufficient.

I believe Oklahoma City is sufficiently diverse from an employer and industry perspective to weather any short term effects, and I also believe that Oil already bottomed (even if it hasn't, its not far from it).  

Is that not sufficient to qualify?

I don't need cash flow to live on as my retirement is sufficient for me. 

I have heard people say that they just say "county records" and for most people that is a sufficient response but some people may be very persistent or challenge your answer.

If your plan is to own a single property, then Excel might be sufficient.