I would however get into the habit of increasing rent every year, even if it is a small amount-it adds up and I'll bet your costs (insurance, taxes, etc) go up every year.

I've found some lenders that will go up to 80% sometimes, but I think your best bet might be a government-backed loan if you want such a high LTV ratio.

But I’ll bet  you’ve developed a great “feel” for when to “work” with a tenant and when to get “tough”  

Your best bet would be to take a look at a combination of cash outs / or maybe just one in order to obtain your proceeds for the new purchase.

That seems odd.

If you buy now you are betting your criteria will be similar when you retire.

I really see Columbus Ohio as an extremely safe bet for the next 10-20 years.

Hospitable is likely your best bet.

It has proven a winner for us.. because our competition wont allow contingent sales so we snag some of those playing the odds..

Good stuff - you are pretty spot on - technically people max out under conventional loans at 10 - but oftentimes its with fewer properties as people run into hurdles before hitting 10, some of which you mention - wanting to diversify strategies, multifamilies, needing LLCs etc.I think you are on the right track for DSCR Loans - I always say that DSCR is really perfect for people in the 5-50 property range - typically conventional is the best fit with your first few, and then when ready to make the "jump" to scaling bigger and faster - DSCR is the best bet.