In high-cost markets like Chicago, that can be tough to meet.If you're looking at a duplex, the self-sufficiency test doesn’t apply, so you’d just need to qualify based on your personal income and the rental income your lender allows.If your current lender isn’t familiar with making FHA work in your situation, it might be worth getting a second opinion from someone experienced with FHA multi-unit financing.

You can find it through the MNREIA web site or email me if you have any troubles.Type @ and the first few letters of a person's name to link.

There are any number of Real Estate schools available to you, so choose the one that compliments your learning style, whether that be online or in person or a hybrid. 

I spent many years managing myself and personally collecting rent checks. 

I would never do sub to for the purpose of holding long term rentals  ( at least personally) .

I think I was having a hard time seeing the value of turnkey properties because of my personality style with regards to investing and wanting to trade up quickly.

Hi Duarte,What makes DSCR loan fascinating is that it does not verify personal income.

What stage in life and in investing are you are questions I think you should ask yourself to get a clear picture.

I warn people over and over and over to know what they are buying and to go personally see what they are buying. 

These policies also cover you in all other areas of life like car accidents as well.