@Brian S. there's a key metric out there with charting about the sustainability of a portfolio less than 50% leveraged vs standard equitys (which would be all cash)  and a real estate portfolio leveraged more highly than 50%. 

You're buying at 3.5% down, but when you go to pull cash out you need to leave 25% in it.Related chart, BP image upload isn't working for whatever reason: https://imgur.com/a/wdYOeuD(Edit: Oh, I have a few updates to make.

Adjusted some rents down a hair, to catch more Fall rentals.

for example, if you are just a hair away from being able to qualify to finance a purchase (FHA), but the rents are at 1000$ in an area where it can eaaasily go for 1800$, (and all month-to-month) does that count for something?

I am pulling my hair out trying to get answers. 

Is this just splitting hairs on the attorney's end or is this something that I should include in my PAs from now on? 

Anyways here is my current assets and liabilities and I want some advice on the best way to purchase the homeCurrent Residence Value $1.2M debt $200,000Rental Condo Value $650,000 debt $229,000Rental home 1 Value $65,000 rented $800/mo cashRental home 2 Value $65,000 rented $850/mo cashRental home 3 Value $65,000 rented $950/mo cashRental home 4 Value $65,000 rented $950/mo cashRental home 5 Value $65,000 rented $500/mo(our maid)Land Value $150,000 rented for $700/mo cash to a car lotLand Value $150,000 rented for $350/mo to a small hair salon in a 400 sq ft structureAlso have a car financed at $1500/mo, i know i know cars are bad investments, well I have an incurable disease and im not going to live forever, so I put half down on my dream car, its an exotic and should appreciate anyhow, and financed the rest at 1.99% through chase private client.So my issue is when financing the expensive rental was debt to income, as you can see alot of the rentals I have are lower income rentals and the people pay me in cash.

I figured it would need to be money down regardless, but one chart I looked at had a column for downpayment that said "20%/equity".  

The graph is exponential similar to the CoC gain chart that @J Scott posted in his post below yours.

Its important to start with the end in mind, because if you don't know where you want to go, how will you chart the right course to get there?