if you can hang in there, things quiet down and the only thing you are doing is depositing the checks. that's the fun time. :)at the end of the day, tenants just want to be left alone and make sure you are taking care of the needed repair requests.

As well, I would not recommend buying a cashflow negative property, or even breakeven for that matter, as there are lots of places to buy at positive cashflow - unless you have endless cash reserves and money is not a concern for you.

I would get 0% offers for balance transfers where the bank would allow me to access up to the card limit in cash and direct deposit into my checking account within 2 - 4 days (for 3% fee).

I would simply get away from any large bank and go to a small local community bank that will cherish your deposit relationship..

I put a security deposit down of 10k.

Every month I would layout the "mailbox money" on the dinner table and get things ready to deposit.

Takes rent money directly out of their account which is usually deposited by the 5th of the month directly into my account.

My partner gets mad at me when I stay up in the morning to do real estate stuff whether it’s going to a property to meet a contractor or head to the bank to deposit rent checks.

More standard income variations are: asset depletion (using reserve distributions as the proposed income) or average personal or business bank statement deposits over a 12-24-36 month period. 

Do you see banks being flush with cash on their deposits and balance sheet?