I have the reserves to weather defaults and my team knows their portfolio level numbers, so it's just a matter of getting note investors and lenders on board.15 years payments and 50% LTV are the limits we're seeing for each individual method by the way.

I also found Brad Sumrok's apartment investing program ($35K for you and your spouse or $25K individual) which is also based in Texas. 

Furthermore, recent anecdotes of individuals earning significant wages yet lacking savings highlight the fragility of personal finances amidst rising living costs.

Spending quality time with your kids and connecting with inspirational individuals are definitely enriching pursuits outside of real estate.

The tradeoff on the joint financing is going to be the (refi) costs associated w any transfer of ownership, HOWEVER transferring title to the LLC is unlikely to trigger due on sale (b/c it sounds like most banks simply aren't monitoring and/or enforcing due on sale in these instances) which would make the ownership (sans the actual mortgage note) more easily transferable than exiting your position as an individual owner?

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

So instead of saying 8-10 properties, change your thinking to a dollar figure that would enable you to leave your job which is your goal.

Actually it looks like it is by each individual housing authority if they will participate.Hate to say this, but it is going to be like finding a needle in a haystack.....borrower will need to find a lender that will do it. 

That will minimize your turnover rate and make it a lot easier to attract quality house mates, plus you'll build equity quicker due to more rapid appreciation which will enable you to tap that equity and build your portfolio quicker. 

Stucco, no decks, I’m renting individual rooms, 10min away from my house, easy maintenance.