I have a photography and art background, so I'm not looking to hire anyone, but I want to do better than compact cams or a phone with a wide attachment lens.

My point in spelling out the above is that if I were in your shoes, my honest opinion is that I'd do my homework and be as wide-eyed and intentional as one can be in terms of where and what I purchased.Both of the Christian's in this thread made a good point that jives with what I'm getting at.

CompsAll that said, Lenders can do what they like and there are some very widely accepted practices but that doesn't mean you can't find a lender who is an outlier.

The wide variety of topics they cover just gives so many different perspectives and methods to open your eyes too.

You need to increase their rent to market rent AND THEN go on to add additional income streams.Whereas you've received a wide range of opinions, I think we all can agree that your reserve are not for subsidizing a tenant. 

Accompanied by many industry leaders from the Central Valley covering a wide range of topics.I learned a lot and gained some great resources and contacts.

Plus, a number of the cabinets were locked with magnetic locks (which we had to remove) and we found that one set of cabinets lead to the wide open entrance into the crawl space!! 

I have a wide professional network of high income earners who do not do anything with their money and I have already started the vetting process of talking to some of them... mostly randomly at kids' birthday parties. 

I have shelves of books in my house from a wide variety of authors from Robert Kiyosaki and Robert Allen to Black and Decker's Book of Basic Wiring. 

I think there is a pretty wide range of new construction per foot prices.