Recently after over a year of succesful payments a tenant payment was reversed for insufficient funds, according to buildiums (R01) return code, but they are certain the funds were available.

I do have properties held by LLCs, and have not found BLOCs to be readily available. 

With the job, and family at home, I questioned how much time I would have available to build this part of my business and how long it would take me.

LLC formation services like LegalZoom or IncFile are available if you prefer assistance but want to avoid high fees.

Due to my background in consumer lending, I am highly skeptical of paystubs and other address verification due to the widely available websites that are out there to generate forms relatively easily... so I like to verify the information by contacting the listed employer using their listed number on Google to avoid possibly calling a friend etc. 

I.E. using all the equity available breaks the DTI ratio for the desired loan?

. - VAs, I don't think this is necessary for 30 doors, but depends on how much availability you have and how time consuming these properties will be.

No garage available, but planning to create a driveway and detached garage to increase the value of the house.

Next time you're in the market for multifamily financing (or generally speaking, want to learn more about different multifamily loan programs available to you), feel free to reach out for guidance. 

The documents are a little unclear in terms of what the interest rates are, but is says "As low as 4% for businesses without credit available elsewhere; up to 8% for those with credit available elsewhere."