How can an average guy get multiple rentals?

[Joe Boggin]

Let's take an average working class guy. He makes 60k a year and has a mortgage and a car note.  10k in liquid savings and some bedroom cash for dinners with the wife. 

If he decides to get into real estate, he will need to borrow. Banks will evaluate his earnings and debt and his ratios. Best case scenario a bank will loan him 50k for a small single family rental that earns 200/door. Now he is in the rental game. But how do you move on?  How does an average guy get multiple units? Who will lend to a guy with middle class salary and two mortgages car note etc?  for an average guy, two mortgages will throw his ratios through the roof!! How can you obtain more units?  It takes some time to use that rental income on a loan?  Taking out a line of equity will increase your ratios even further?  What am I missing?  

Is it me or is the guy with 50-70 rentals, have a 200k a year salary and lives in a tent so he can extend his borrowing power to buy units?  Refis or equity lines that are taken out of one property to buy the next all increase ratios and eventually will cap your purchasing?