What kind of savings do you guys have in addition to the income savings each month? 

Different lenders can view income in various ways depending on who you speak with.

I currently don't show income and just left my other place of employment.

If this were a Real Estate secured note,  a note broker or flipper might offer you up to about 65% of the remaining balance whereas an investor who is building passive income streams week offer up to about 90%. 

I love talking with investors, sharing values, discussing their wants and needs, helping them fully understand what they’re investing in and helping them achieve their passive income goals is very rewarding.

A growing income stream is worth more--so I'd like to see growth so that there is a path to profit. 

Verifying last 2 years of rental history and income extremely important to find the “best of the worst”.Make sure you understand the Class of properties you are looking at and the corresponding results to expect.The City of Detroit has 183 Neighborhoods we’ve analyzed.DM us if you’d like to discuss this logical approach in greater detail!

I can buy a 2-4 unit with 20% down vs conventional can only buy a 2-4 INVESTMENT property with 25% down 4. there are options where DSCR loans dont repot to personal credit, helps in not having to show a bunch of paperwork or not one person in a partnership has to carry the debt5. way less paperwork to close on this loan type vs a conventional loan. we care about the income of the property you're buying and it's ability to service the debt of the property whether we use long term rents income, lease income, or air dna/bnb income.6. easily buy in partnerships, add people to your operating agreement, its as easy as that so bring partners into a deal. helps with scaling and raising capital or getting partners involved7. gift funds allowed to close on these as well, and like I said earlier, there's only a 10day seasoning period of funds with some lenders so that means you can literally have a private money lender deposit money into your account 11 days before closing, and you can use those funds to close!

It was only within the last 30 years has the upper middle class incomes start to spread out of the lake.  

If they pay late now as is, let's say they lose a job or have a temporary loss of income, you're kind of SOL.I would look to build reserves between now and August.