@Chris Mason Respectfully, not everything is math...there are all sorts of reasons that someone may be in a position to pay a higher rate, these "challenges" (DTI, Credit Score, BK, F, etc) can be overcome by going to person lender who can overlook these and a deal can be "handcrafted", secured against the collateral vs. fitting into some bank's guidelines. 

@Nikki Stoddart check the Tools--FilePlace as here are two I found for CA:https://www.biggerpockets.com/files/user/JOBEARD/f...https://www.biggerpockets.com/files/user/FJR/file/...Hopefully that helps!

It just seems everyone in this area has the same appetite for the same types of properties.Thanks,  Chris F.

@Ryan Landis @Kuba F.

If anyone from Montana knows something about it let me know.Specifically, The residential landlord tenant act of 1977 states in section 70-24-321 (F) "Tenant shall conduct oneself and require other persons on the premises with the tenants consent to conduct themselves in a manner that will not disturb the tenants neighbors' peaceful enjoyment of the premises."

I will be house hacking, then refi-ing asap to purchase the next place. 

I like Tipp Hill in the city, further west like Westvale and Camillus, north in Liverpool and to the east F-M, J-D. 

@Hugh F.

Hi all,My brother @Aaron Smith is planning on 1031'ing proceeds from his 4 unit into a 4 unit renovation project in Washington DC. 

No, nope, and as my drill instructor used to say in boot camp, "Not only no, but F#$% no!"