Typically lenders can lend up to 50% of what your gross income is.

There are no utilities in place, no septic tank and no well. 

@Rick Albert   I may get a lot of push back from the team but I split my utilities on my ADU the conventional way....each dwelling has its own meter for water, electric and gas. 

Typically I’m seeing higher appreciation than cash flow but it can be hard to tap into that equity if rents won’t cover the new cost of the refinance.

As mentioned elsewhere, breakeven on cash flow is not the same as break even for taxes.Let's make some assumptions:Rental income = $1000Mortgage payment = $400 - but $300 is interest and $100 is principalOther expenses (repairs, advertising, utilities, etc) = $600Depreciation = $250The above scenario creates a break even from a cash flow perspective, however the tax scenario looks like this:Rental income minus the mortgage interest (principal is not deductible) minus the other expenses minus depreciation looks like this:1000-300-600-250 = $150 LossIf your income is over $150,000, then you cannot deduct that loss, but you can roll it over to future years. 

Typically lenders divide up credit scores in multiple buckets with 780+ getting the best rate for some lenders while others it's 720, 740 or 760 gets the best rate pricing.

Typical retail lots sold on the market for $55-60k a piece, an off market lot from a wholesaler usually come in around $45k a piece.

I do not like using on market homes since they are typically overpriced and haven't actually sold yet. 

Typically these switches are in the vicinity of the furnace and not easily mistakenly switched off.  

Hey @Marie Copul, since you want to leave your job, I recommend focusing on a high cash flow business model within REI to begin with before getting into the lower cash flow (wealth building) models.So, flipping and wholesaling are the typical high cash flow models within REI.