The issue was a person sold their home subject 2 and the person who bought it stopped paying.

Data point: we have a long-term rental in a popular STR neighborhood listed through Zillow right now.Every person who writes asking to do some sort of arbitrage is blocked by the Zillow platform.I don't even have to say "no thank you anymore."  

Quote from @John Friendas Quote from @Patrick Roberts: If you are on the note or personally guarantee the debt, then it will affect the liability side of DTI, regardless of whether the lender reports the loan on your personal credit.

My personal preference for a buy and hold would be an already established area (or an area that's still gentrifying, but has already seen significant progress). 

My wife and I plan to purchase a few properties ourselves, but with the lead generation strategies I’ll be implementing, I expect to come across more deals than we can personally handle.That’s where you come in!

Myself personally I'm invested in Buffalo and NYC, but that's because it made sense for *me*. 

It separates your personal assets from your business, providing a safeguard if any legal issues arise related to tenants or the property.

I personally haven't sent postcards, I've had good luck with PPC and Video ads. 

Whether your at $0 or $10mm of personal cash to start with.   

A one-person show isn’t gonna cut it.