Typically Conventional will end 42% of DTI and FHA can get up to 51% DTI (and based on your credit score I think you should stretch to that 51%) Just a few things to start thinking about as you are working through the process. 

I give these threats no thought because 1) my actions are appropriate 2) i document well 3) they have yet to follow through with any of these lawsuits 4) typically their ignorance is apparent in what they are threatening to sue for. 

Larger homes typically command higher prices.4.

Many aren't used to explaining why their services are worth $12,000 (the typical pay for selling an average-priced U.S. home).

Yes, you bring home more each month but when you compare the amount you bring home versus how much you had to put in, the returns are typically significantly lower on your money when you pay all cash.

@Venecia BaezRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a Class A property in Class D area, what quality of tenant will you get?

there are several posts on here about capital calls. without more information it is tough to respond but typically a capital call is because the offering is having issues with cash flow - whether it is because a loan is becoming due or some other reason - that is the primary reason - needing an influx of cash. can you provide more details?

While someone buying it with a tenant is typically looking solely at the ROI numbers.Also, find an agent experienced in selling occupied rentals!

In my experience, I typically call seller-financing "mailbox money".

The down payment requirements are also steeper, typically 20-25% for investment properties.