This figure includes allowances for heat, electric and any other utility that the tenat is required to pay and this is deducted from the FMR. 

On the other hand, self-education through books, podcasts, and free resources is cost-effective but requires discipline and a clear plan.

Although, some of the information was not required either time and some was required both times.

Zoning Ordinance ExceptionsSome properties in the target zone don’t meet the minimum lot area or width size requirements under the zoning ordinance, yet houses exist on smaller-sized neighbor lots.How could these properties get approval for development?

If it sounds like ******** require the production of the medical need for a service dog or begin eviction proceedings.

Figure out market rents, deduct expenses to determine NOI, deduct cashflow you want, plug remainder into mortgage calc at current interest rate, then add lender's required down payment.That is how much you offer!

Some of your requirements come across harsh.

These programs offer options for less money down and in some cases DPA - Down payment assistance.As a banker for over 18+ years I am very skeptical when I hear a new name in the business only because its become tougher to lend with all of the new laws and credit/insurance requirements and regulations.  

Vacancies, tenant turnover, or non-payment can impact cash flow and delay your plan.Time and Effort: Managing multiple properties, handling rehabs, and dealing with tenants requires significant time, energy, and expertise.

In my experience, it is worth simply reaching out to your realtor first.