A bit about my situation and motivation for getting into real estate investing...I have a full-time, high paying W2 job as a specialist physician that I generally enjoy but would like to  be able to supplement my income over the next 8-10 years if/when payments decline in medicine.

Most mortgage companies will not call loan due if payments are current but you do run that risk and need to be prepared to payoff or refi at a moments notice.

Hi I posted in the past about this tenant, but anyway no payment for January gave 14 day pay or quit in mid January, she said she left but left some of her stuff, her husband called me (they are getting divorced), said he has alot of stuff in basement, boy he wasn't kidding place is filled w garbage and stuff worth money all their personal stuff, what do i do?

@Andrew Lanoie I apologize for my remark.But our investment is 40 times the monthly payment.

is that a combination of larger down payments + paydown over the past few years? 

Try to put a bigger down payment in than you might need to give yourself some breathing room.2.

This way the payment never fluctuates.2.

Despite the program's claims of providing exceptional training and support, my experience with Kristin has been far from satisfactory.First and foremost, I find it necessary to address the issue of non-payment.

I have been digesting all things Real Estate so right now I am working to lower my DTI while saving at least 6-7% for the Owner Occupant down payment (to include closing cost, etc.).

However, with a SFH you will lower your standards when vacancy arises more than one month as you have no income coming in to male that payment.