Bet you any amount of money...The problems are:- Do they want half down?

Local banks would be your next bet if you want something competitive but you would run into the same issues with loan value.

you transfer title sub to and I will 95% bet your DSCR lender is going to put you in default. 

I kept reading some apt is operating with DSCR 0.61x ; I bet there're professional buyer in line willing to buy those asset with large discount LOL

But I am willing to bet in the 3 year, probably 5 year and definitely 7 year + frame that these investments will rock any of those one's winning today.

House hacking in South Jersey is actually a pretty solid bet compared to other parts of New Jersey where you are guaranteed negative cash flow.

When I pay someone to do it my profits go down.Trust - Talking about paying someone. is really hard to find someone hardworking and trustworthy and even the best are probably not as good as you(vested interests)Local government - yeah, they can be a pain in the ***...I don't see using real estate as a form a diversification as wrong, but I also understand why people like it and are willing to invest all of their time, effort and money investing in it.  

Best bet would be to go to your local REIA and ask around. 

I see a huge difference in pricing & days on market just making the jump from 1-bedroom to 2-bedrooms, so I’d do everything I could to hedge those bets.

Thanks in advance.KayAssuming your debt to income ratio is actually being calculated correctly and is still too high then a debt service coverage ratio (DSCR) would be your best bet.