At the same time, I have decent money in my IRA  invested in mutual funds.  

Be sure to explore all around the forums as well as many of the FREE tools that Bigger Pockets provides.I am on the lending side of things and am always happy to hop on a call to discuss loan options that are out there, even if not offered by my resources.

However, in my experience, even with these changes, lenders are often still hesitant and uncomfortable with financing properties held within a series LLC structure.

Hey @Thanh Lu, so you didn't say where you are located so it is important to check down to the city level what constitutes a tenant vs guest.Most often it is 30 days or more, but there are some that state 28 days or even more vague for squatters rights.

Even if you made $200k and your rotating debt is $150k annually, it wont get you qualified.

@Rickey Mayes even if you buy a condo as a primary residence, alot of them will require 25% down if they do not have reserves and meet full review requirements.

If some landlords are requiring them to pay application fees before they even know they want a rental versus ones that don't which do you think they will choose.

I make a decent amount of money nearly from my W-2 (over 100k) but still not enough to easily buy another property this year especially if I have to put down 20%.

Quote from @Zachary Deal: @Joshua Kavadi As @Zachary Deal and Chris said, you'll need to know that not every deal is a home run or even a triple.

Unless you are talking serious money, which I would say is 2k or more in excess taxes, it may not be worth your effort.