I'm not requesting a frank loyd wright design, basically, I'm looking for a modern style that we see all over the internet. 

So you’re basically saying that the money I personally put into my Roth IRA, whether from age 20 to 23 or whatever age> it can be taken out penalty-free, right?

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

It will familiarize you with the basic terminology and benefits.

For the basics I'm looking at a half acre of land for 150k Duplex Manu 3/2 1900 sqft per side 230KConstruction is roughly 150kThe rent minimum i would expect is 2500 per side and could probably stretch it a little because of the amount of land they would have access to.

@Josh GregoryEdgewater has some good blocks and there is certainly a lot of activity as it is basically wedged between Ohio City and Lakewood.

And I was able to scale up and get 12 houses basically for free by deploying equity from my rentals to buy more.

If latter, it would end up more expensive because if B&O taxes as well.I am wondering if anyone else here has gone thru this journey and can help with some of these basic bootstrapping questions. 

You can find guidelines for determining material participation, the rules for determining who's a real estate professional and what's active participation, and the special rules that apply to the income and losses from a passive activity held through a publicly traded partnership (PTP) in Publication 925,"Basically, rental is generally passive unless you are a real estate professional, HOWEVER, refer to pub 925 for special rules.  

I do think something is off with what the realtor was doing if she asked for 30k in advance for staging which should be done by a different company, not her, but the post is basically just pure fear from not knowing what one is doing and then trying to out someone and take no responsibility.