By the time I pay the property manager 10% there's about 400+ cash flow a month, not counting for vacancies or major cap ex (which would be taken care of initially with new roof, hvac, and water heater, flooring, etc).

I assume you are referring to small multifamily deals (2-4 units), but these deals will be more focused on cash flow since you have better economies of scale with a higher unit count.

I have also met with many that look back on their chase for wealth, regretting their absence with those that count. $1M is sizeable.

Scott did a count and he owns 178 homes.

Since then, I’ve lost 90lbs and counting, currently 14 weeks away from obtaining my MBA, and I’m in the process of starting an investment group with some great friends of mine!

Don't stress about the mortgage too much; you're making moves to secure your financial future, and that's what counts.

There are some cases in our industry where the improvement portion of a purchase does not even count towards a taxpayer's 2 tax reporting year holding period.

You might have read all the books, but actual experience counts just as much.

But hey, who's counting, right?

You should talk to a lender like Account ClosedYou can count the other side towards your DTI