You screen LTR for their financials, eviction, and criminal history. 

Inspect financial statements.

I am based in OC if anyone has recommendations on advisers Real estate, financial, meet ups, anything really.

You need to take a look at your financial situation.

These are designed for borrowers who can demonstrate financial strength without traditional income verification.

Absolutely, it's clear you've put thought into your real estate journey, and your aspirations for financial freedom are commendable!

For something more robust, tools like Excel or online calculators from financial planning sites might better suit your needs.Your ROI Formula:ROI = (Net Cash Flow ÷ Total Out-of-Pocket Investment) × 100For your scenario:Net Cash Flow = Annual Rental Income - (Mortgage Payment + 401k Loan Payment + Other Expenses)Total Out-of-Pocket Investment = $40,000 cash + $50,000 loan payments over 5 years.I came across a piece in Bloomberg recently discussing creative financing, and they touched on ROI calculations for multiple loans.Personal anecdote: A buddy of mine leveraged a 401k loan for a fourplex.

@Feroz Penangwala I’ve slowed some due to financial constraints.

They have the financial wherewithal to purchase a hope (and most do). 

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.