New York City is an excellent market to invest in - but you need to manage your risks accordingly and have a long-term focus. 

If I don't rent from July to September, all the qualified candidates will be gone.

I agree 100% @Peter Davis the entire SW Florida area looks excellent and has a bright future.

ive always just used an excel spreadsheet with coding to categorize the expenses 

A good SF, wrap or sub2 candidate does not need to or doesn't bother trying to get a new mortgage for a while.I also use note or contract services. 

looking at a 6 unit in NorCal excellent credit score, solid cash flow  

A healthy RE investment team includes an efficient and excellent mortgage loan originator.Being dual licensed as a mortgage broker since 2003 has enabled me to identify, align and collaborate with lenders that make a meaningful difference in the investment results of clients and their portfolios. 

I have been given the opportunity to start an Investor division at my Brokerage.Our goal is to create a team of highly skilled agents who excel in understanding and meeting the unique needs of investors.

Mixed usages, such as a furnished mid term rental of one unit or vacation rental usage (where permitted) is also an excellent way to boost revenue.

Good credit score (800+) but low income ($70k)Candidate 2: Family of 5 (3 kids) with a business + a smaller dog (40 lbs bulldog) and ok credit (680+) but higher income ($130k) than other candidate.