Yes, my banks require a 1.2 DSCR debt service coverage ratio, meaning they want to see rent 20% higher than the mortgage payment.

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.

I had to borrow the down payment form my parents because I was BROKE. 

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.

The biggest factor is thoroughly review their credit score report especially on time payment record and score.

I do not have to do anything right now, I just need to learn, wait for the right opportunities, or create them - for example by trying to use subject to and take over someone else's payments who locked in a lower interest rate from a few years ago. 

Work on getting a down payment saved up while managing your townhomes.

Still no payment.

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.

These methods include:Detailed Engineering Cost ApproachDetailed Engineering Cost Estimate ApproachSurvey or Letter ApproachResidual Estimation ApproachSampling or Modeling ApproachExperience or “Rule of Thumb” ApproachFor further details on the methodologies, refer here.WHAT ARE THE BEST AND WORST PROPERTIES FOR COST SEGREGATION STUDIES?