The rates are high right now but these loans are limited based on cashflow so you cant take a loan that costs more than you're receiving in rental income.

The income of a property manager is dependent on whether you property is filled with tenants as well. 

Quote from @Alec Barnes: Quote from @Drew Sygit: @Alec Barnes we use Debt-To-Income Ratio (DTI) instead of income = 3x rent.Reason?

Quote from @Polat Caglayan: How much do I need to invest for a house and a thousand dollar income?

In 2022, half of American renters spent over 30% of their income on rent and utilities, the highest percentage ever recorded. 

I don't know your living situation but if your paying x,xxx for rent or a mortgage and instead by living in one side and renting out the other you will be paying y,yyy instead and y is less then x that's great, especially if you can rent out your primary residence and make income there too. 

Sometimes, there is also a tenant already in place which means you can start generating rental income from day one.

Many real estate investors opt for a fix-and-flip loan because they’re relatively easy to obtain: no personal income verification (no DTI requirements), and you can often borrow up to 90% of the purchase price and 100% of the rehab costs.

The problem is, that's not proper accounting because a credit card is a liability, and doing this workaround will reduce your assets rather than increase your liabilities, which totally messes up your balance sheet and debt-to-income ratios.  

Much of this is due to the fairly low actual prop tax (rate actually paid) and that there are so many income brackets (many people pay no state income tax).