I disagree with Will, however, that this even matters...Both @Joe Fairless and @John Cohen say they underwrite to IRR. 50% is an income-driven concept, which renders it obsolete when underwriting to IRR.

Some of my tenants probably think I am a good guy and will until we disagree on something.

I respectfully disagree with the last post regarding umbrella limit selection.

I actually disagree a little bit about the roommate. 

I agree with what others have said, but one point I partly disagree with is becoming an agent to learn the market.

Harass, as you've been at this now for 4 days, there was not threat intended and I think you know that, it's just your passive aggressive style in disagreeing.  

I'm sure others will disagree with that statement, but it's my opinion in what I have experienced in my situation.I think it is a viable option as long as you find a place that doesn't have high fees and are truly controlling their spending and you can see just that they are spending the fees on.

I have been out of the credit/loan game for a while so I won't disagree with the authorized user thing, but the last time I paid attention, I heard they had pretty much closed that approach. 

There seems to be a perception on bigger pockets that you can get a much better deal if you bypass Turnkey and hire a realtor; I disagree.

From a practical perspective, I would disagree.