Will my IDR plan amount be what is factored into my DTI versus a percentage of my loans? 

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

The difference in interest rates was saving me over $500 a month, and that’s the amount on cash flowing.

I've got great credit and a healthy amount of capital compared the loan amount.

You should focus on the quality of the agent, not the amount they charge.

Once you're at a $3,000 net loss, that amount can offset other income as an adjustment on your tax return. 

Any amount that you are negative carries over and affect your overall Debt to income ratio.

If you know what you want to do with the cash and have an immediate need for a larger amount, I'd recommend a cash out refi over a line of credit.

You have a good amount to plunk into a strong multifamily property in Northern New Jersey, but you will be banking on appreciation more than cash flow.

Even small, consistent amounts add up over time.Learn & NetworkKeep reading REI books, but also join real estate meetups or online groups like here on BiggerPockets.