If your net monthly positive cashflow is 2.5x your personal housing expense plus all other non-mortgage consumer monthly debt obligations, and you are buying cashflow positive real estate, you can get a normal Fannie loan.

@Anthony Gayden - as you say the math is the math but my point of the original post was I wanted more cash flow properties at the beginning and my strategy of buying “cheap” homes consumed to much cash in the beginning.

As far as DIY, painting will be tedious and time consuming, but if you break up the trim and the rolling between two people, it could take you a couple of days to paint a whole place, and it will save you a ton of money.

I know many upstanding seniors who've been priced out of owning their own home, at no fault of their own.

Banks are simply set up to accommodate consumers, not investors.

I'm assuming the deal is in DE so here's a useful link: https://www.delawarerealtor.com/consumers/file-a-complaint

Now don't go and ask them what every single house on the MLS is worth but it's not a time consuming process for them.Finally, you said ON MARKET.

@Kevin Drouillard,You can easily tell how it's being marketed to a regular consumer-- just check to see if it's on the main ones, CL, zillow, hotpads,trulia, etc..   

Once your net rental income is 2.5x your personal housing expense, and you have no other consumer debts, and assuming you are only purchasing cashflow positive real estate, you can get a Fannie loan with "Landlord" as your job. 

And even having health insurance doesn't buffer consumers against financial hardship."