Yes, there are exceptions for significant life events (job change), but each individual must meet the FHA loan qualifications on their own, and the second loan must be for a valid reason, like a job relocation or other extenuating circumstances.

I'd estimate that there are less than 1,000 legitimate, or "professional" wholesalers, in the United States of America, as defined by individuals who make $100K flipping contracts, and collecting assignment fees, in any form, and who have made that amount of income more than 3 years in a row.

Is it even worth sending the debt to a collections agency so that it's listed on the individual's credit report?

I'm excited to be here and can't wait to bounce ideas off some like-minded individuals!

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

Each unit is on individual wall/window units and I know from experience those can be a pain to deal with too. 

Personally knowing the founder of BP, Josh Dorkin and the current CEO, Scott Trench, I can tell you that their intent in starting and growing the bigger pockets community is to encourage investors of all experience levels to share their experience and network with like minded individuals. 

Hello BP Community,I’m new to the platform and eager to connect with like-minded individuals who share a passion for real estate investing.

Nashville chart below.Nashville labor force 10-yr chart-Individual income.

Individual High Net Worth Borrowers (With Prior Experience As Multifamily Debt Broker): We have a few mom & pop clients who previously worked as multifamily debt brokers at major shops like Berkadia, CBRE, JLL, Walker & Dunlop, Etc.