Regardless, you can only do cash out up to 80% LTV of the existing value of your property you’ve also cannot refinance into investment property until you establish a different address as your primary residence.

I do my search and feel that Manchester, Liverpool , and Birmingham as most likely areas I can invest in , My goal is to have good houses "Single famliy" with good prices that can establish a good cash flow as passive income.For sorry I do not live in any of those ares, I know them from EPL and try to do the research based on income and thier share in UK GDP , for sure london is the best but I can not handle the prices there.Based on my reasech I can classigy them as follow : Manchester is the best in , Birmingham , and then liverpool.I see Liverpool houses is more but rent to prices ratio is low .I need your insights on this with your valuable advise , considering the area I choose , I will keep investing on it and enlarge my protfolio in it for the next 10 years.

I have credit already established and want to make it less complicated.

Although I’d like to do a large dscr loan and get 4 to 5 three and four bedroom units, I’m likely goin to start with just one quality property in order to establish proof of concept to present to future down payment partners or private money lenders.

You can start of with a turnkey that can use a light rehab to help you build a team and establish a foundation to than get into bigger projects. 

I've established boundaries with tenants.

Subsequently, after establishing a balanced relationship with the tenant, you can consider making upgrades to the landlord's apartment,as a sidenote: Should any usable items be removed during renovations, offering them to the tenant can foster goodwill and enhance the tenant-landlord relationship.

I'm not as creative as some with funding sources and haven't established access to the private funding others have (yet... hopefully)... so for me, at present, cash for future down payments is key.

Establish interest reserve for each loan so there are no non performing loans to report2.

Establish your criteria, such as location, spending limit, kind of home, amenities, and possible rental revenue, in order to choose the ideal property.