Look no further than the “0-70 units in six months” posts and the adulation they receive, when all they prove is that the person has access to credit.

You can do whatever you want in terms of bending for the tenants and trying to provide "great service,' but the truth is you receive no credit for it and will be the evil landlord at the first repair that takes too long, late fee owed, alternation denied, etc.  

@Roy LoganIt sounds like you’ve made some great moves in real estate investing—your BRRR strategy is paying off with those solid returns.At the bare minimum, you should do the following to make your bookkeeping easier:Dedicate one checking account and credit card exclusively to real estate.

Wife and I both have an 800 credit score and plenty of income with a 19% DTI ratio. 2) Do you recommend that as a first timer I actually do go with a higher down payment product as I learn?

These markets often have strong population and job growth and strong rental demand.But the reality is that even in more affordable markets like Columbus, you'll need about $50k-60k household income just to qualify for a conventional investment property loan (this assumes good credit and reasonable debt).

We offer it at TFSB but it does require the basics like qualified credit score, DTI ratios - Must have W2 or (2 years of 1099 income) to qualify.

In general tenants with a credit score worth preserving pay all that is owed.

I have found the JLDs to be mostly from credit card companies and banks, but I am still unsure if that's what I am suppose to be looking for or not.

I believe up to close to 40% down with a 720 or greater credit score on a conventional loan product could give you the best interest rate. 

Many decisions can be made to keep a project on track as it goes.