Brian,Please re-read my response.

I'm not new to REI and I've been talking about getting my first property for several years now.

In my city, vacancy rates are hovering below 2%, rents are climbing, and every year thousands more people show up needing a place to live.

Quote from @Lisa Peabody: My husband talked to an agent yesterday and wondering if you all could help to educate me. 

The equity in my primary and other properties, combined with my income, provides the flexibility to borrow as needed—and I only pay interest on what I actually use.

I do condo plans as part of my W2, and these SF calculations can vary based on the coord with the attorney and owner as far as how the association is originally set up in its budgeting for dues.

I get a ton of my residents from there. 

See my DSCR comment a above. 

I'm looking to partner with my brother to get our first STR by the end of this year/early next.

My dad had rental properties and when he died, he left me two multi-unit properties.