This ratio may not be altered over time and all future expenses and income must be allocated on this basis.  

Have you ever played an RPG where you get to allocate talent/stat points?

Lifecos are portfolio lenders so they tend to not be immediately impacted by the day-to-day fluctuations of the capital markets, but they do respond throughout the year to market conditions, and individual lifecos can become less competitive later in the year as they fill their annual lending allocations.

There is no ideal jump point, but given your confidence in yourself, figure manage these initial properties for around 12 months while constantly evaluating your income, expenses, personal time allocated, viability of professional management, viability of rental market etc.

We allow unit renting, owners could do a rent-to-own arrangement, and we have a few bungalows the community owns dedicated to renting out during the summer.Given this unique arrangement I am leaning towards the community being open to having a bank be a partial owner by purchasing the buyer's shares, and over time allocating the # of shares allowed to the buyer instead of the bank after payment, but that's also assuming we can find an entity willing to put money in!

I plan on investing as soon as I do some more homework and allocated with the different types of financing available. 

My target cash flow is $10,000/month after all expenses (including Capex/Repair/Property Management fund allocation) and debt service.2. 

Regarding investing in the market, please don't just buy standard mutual funds, either do index, or what I would recommend even more is read Tony Robbins book: "Money, Master the Game" and listen to the section specifically on asset allocation by Ray Dalio.  

If major expenses are on the horizon, you want to allocate more. 

Even allocating 30% for expenses your NOI is 67k.