I want to be more specific but every lender has their own policy and some will bend the rules (did I just say that?) 

you may want to hook up with a Bend realtor they probably work both markets

BP!I have a quad -- have had it for three years. On paper, it looks like it's going to cash-flow, but it doesn't.I bought it for $73,500, put 25% down, and financed the rest.Rents are a total of $1,900 (475x4). Tenant...

Yes @Jessica Zolotorofe, as long as all the rules are followed it should be fine, but you know when it is father/son type of situation the temptation is there to bend the rules specially when the pressure is on, hence my recommendation. 

You bend a hook into the end of the copper wire and go fishing in the drain. 

Hi,I am looking for some contractors and handymans in Fort bend county and Harris county, Houston, sugarland, Richmond, any recommendations, success stories?

Expect them to bend the truth at least 3 times as well on the call.

If there is anyone else who is located in Redmond or Bend Oregon I would love to talk to you! 

If you start bending on your criteria, you can run a slippery slope.To put Alexander's words a little differently - choose if 11% fits your goals, and don't set your goals to a mythical number that doesn't appear in your neck of the woods.

Purchased first rental with intent to flip within a year ended up with over 10% ROI first tax year and close to 15% second tax year so the question became, where the hell else am I going to make a this high of return this easy. 3 years later my default rental is worth double what I paid for it, so I say be flexible bend with the wind and be willing to admit your original plan might not have been the best, no matter how thing play out.