I have a few reasons for this. 1) We are both self-employed and our income is inconsistent. 2) We don't want to impact our DTI, because we are planning on buying a house hack within the next year or so.We would be open to going up to 6 units for our first property as long as it's within budget.Now that you have some context, is it possible for a rookie to use a DSCR loan on a duplex or triplex?

Very similar to direct mail but much more cost effective.

(M2M Lease)A couple days later Tenent texts me and says they have left the property effectively today (bf doesn’t help out with bills, drama, etc). and wants off lease. 

It also positions you to work more effectively with lenders and partners who want to see a professional financial setup.How are others here organizing their finances?

The shameless self promoters are gamblers, narcissistic, and constantly chasing the next money making scheme.

25 y/o and in the process of being a self taught real estate investor.

When you transfer retirement funds into a self directed account you can certainly buy real estate with it. 

What I did find is that as a builder in eastern tennessee, I could build STR cabins for less than 70% LTV so that I could effectively BRRR my way into growth without coming out of pocket for a down payment.Now it does take a lot more cash to do because as a builder I have to front a lot of money at times (land, permits, each stage of construction while I'm waiting on the draw). 

These foundational elements enable you to navigate transactions successfully and make informed decisions.While there are many resources available, including courses and mentorships, the reality is that without a foundational knowledge base, you might struggle to apply what you've learned effectively in real-world scenarios.

During ownership, these tend to be more expensive to operate relative to other real estate and lastly, for the limited few who can weather the storm and can effectively operate these properties, there is still a need for refinances.