The residential side of the house is willing to go up to 90% LTV with no seasoning period, but a higher interest rate.Now that you've verified that you're all in cost are at or below the 70% threshold, its time to examine your rental income to determine if the Net Operating Income (NOI) will cover the debt service (or mortgage payment) at a ratio that is acceptable to your bank. 

In signing this Lease, Tenant agrees that Tenant has examined the Premises and certifies that it has not observed any pests in the Premises.

So, for example, your 90 day goal might be to examine 6 candidate transactions (I don't know where you are in your business planning, I'm just making that up, you should use any appropriate goal for where you are in planning).

So that's where you've got to examine your own model and needs.

My point being just pull every 3-Family comparable in the town and examine them thoroughly 

If rent is $2000 and Mortgage is $1200 or less, examine closer. 

I also just passed the RE license exam in July.

Had not thought about a Variance board and it definitely is a good option to examine further.

He makes a couple of very good points for you to examine to get at the true cost of ownership and operating those rentals. 

Depends on what ROI you get with the rental vs what you get in the 529.Most states will give a tax deduction for 529 contributions, up to a point, and there's no tax on withdraws for qualified educational expenses.  529s are certainly even more compelling under the TCJA with the expansion of use to K-12.Forget college, all parents with kids in private K-12 should be examining using a 529 as a "conduit account" at the bare minimum to get the state tax deduction.