Probably capped at 70-75% max LTV as well, where banks might get to 80% depending on their appetite for your particular property.Hope this helps!

Loan        Downpayment 0%, SBA 10%, 25% collateral, 40% collateral, VA, FHA,         Source of funds:  SBA, Credit union, Bank, VA/FHA, Farm Credit, Credit Union, Hard Money.Deal SizeRealtorsLawyersSurveysTitle company or Title insuranceUtilities:    Electric    Plumbing     Sewer     Storm Ponds     Storm Drains     Water      Fire Hydrants      Fire suppression      Fire extinguishersParkingDrivewaysZoning    SetbacksHOACovenantsRoofGuttersSidingDoors/WindowsHVACPlumbingFlooringFoundationSidewalksDrivewayLandscapingLegal entity    Individual     LLC      Corporation     S Corp     PartnershipInsuranceProperty TaxesOnce you have this added to your spreadsheet, move around as needed. 

Start to get a feel for who has money to deploy and who has an appetite for investing with you.

PM me (include your email address) and I will make some introductions to banks we know have an appetite for multifamily.

Different lenders have different layovers/risk appetites.

What's the current appetite of State Farm with Single families and multi family?

I guess everyone's risk appetite is different but recasting allowed me to increase my cash flow thus giving me more confidence.

Supply is seriously suppressed.

A small community bank might do a deal or two for a depositor that they do other business with to keep the relationship, but they truly don't have an appetite for a flip business.

the calculator is really just a guideline but how much you can spend really depends on your lifestyle and what kind of other income/debt and your risk profile appetite. investing in real estate may not be suitable for someone making only 40k/year but decided to have a brand new land rover, this business would kill you fast. but if you literally have zero debt and have good discipline then this business is good.for REI general guideline is 1/3 of net income can be attributed to real estate.