As a former wealth banker and a long-time investor, I can honestly say that I hated the two years as a realtor (in Florida, you're required to be a realtor for two years before you can apply for your Broker's license). 

The banker I worked with on my loan is Matt Means.  

I would look into that more if you're not sure.You're smart to place as much debt as you can, although I will say that it would be a good idea to start building a relationship with a banker to provide conventional investment loans.

This will offset the taxable net profits to the less than taxable level even if the property is paid off early.I also have capital reserves planned and have been working with a business banker with wells Fargo to set up my business account. 

But surprisingly not all lenders (mortgage bankers and underwriters) know how to deal with a multi unit loan.Upen Patel, Mortgage BankerFederal NMLS# 1374243

@Marina Kimak  wanted to add you can also get a very low rate from Investment bankers if you pledge your securities 2 to 1  you can get 2 and 3% money

"- 42,000 is down payment of 40k plus closing cost estimate(based on GFE from banker).

Prudential, C-21, Coldwell Banker, etc. is one of the best ways for a new RE Professional to obtain good, honest and reliable information and knowledge. 

Needs a mortgage banker smart enough to know the rules and work with them.If you move and have a job in the same field and essentially making the same or more in salary, then no there is no 2 yr requirement.

Per my banker (he is the CEO of a local bank) he said upgrading anything with D&B kis a waste of money.