Here are a few strategies that might help:- Leverage Industry Benchmarks: Many investors use a percentage of gross rental income as a quick estimate for operating expenses.

For 20 years I have been in the oil & gas drilling industry.  3 years ago, I became a drilling consultant and started my own business.  

I spent my first 6 years in the financial planning industry working for a firm that had previously sold a lot of privately held REITS that went south.

Our industry can easily get a bad rap for taking advantage of people.Hey Matt. 

Build a strong network of mentors and industry professionals! 

But I'm still suspect about Cumberland because of the low income and stagnating industry and economy.

If they were so successful in the industry, why would they give all that up to mentor?

When it comes to finding good wholesalers, a few approaches have worked well for me and others in the industry:1.Local Networking & Meetups:Check out local real estate investor associations and networking events in the Akron/Cleveland area.

That shows real estate can be possible for anyone; in my opinion, I know everyone has unique and challenging situations, but in principle, anyone who can follow some basic budget fundamentals can save up enough for a down payment.Grateful BiggerPockets continues to bring more people into the industry!

Most banks/credit unions use 20-25 years to calculate the P&I payment (aka Debt Service).Lastly, the LTV "standard" is relatively fluid in the industry.