The real determinants are your cash flow and appetite for risk.

Time constraints mostly, that along with a lower appetite for risk on my first deal.

Any disturbing comments, excessive tattoos, too young, etc, meant they weren't in the mix.

Capital gains on excess distributions.

Also I would say that the excessive damage has always happened in my lower tier properties.

If it is Roth, maybe, but that does not avoid the job change risk.I know you want it now, but I think you need to redirect excess 401K deposits (above match) and delegate the would be payments to saving for a real money investment.

Have your  banker state on bank letterhead that you have in excess of X amount on deposit and available for immediate withdrawl.

It depends on risk appetite, personal income/cash positions, long-term goals, etc. 

Hi All - I am on the search for a commercial lender near the Muskegon, MI area with an appetite for multifamily properties!

With her income and our savings we are doing fine financially and will definitely have some excess once I get a job.