-The other properties, along with my wife's income provide enough income for us to live on if we live extremely frugally. 

I'd proceed with extreme caution - especially in a market like St Louis.

An umbrella policy is an extremely inexpensive way to protect yourself. $1M can be as low as $195/year.

I've learned that doing what you doing right now (posting on the forums) or just reading through the forums is extremely helpful.

House Rules: Establish house rules regarding noise, behavior, and common area usage.

Extremely simple to use and met my needs for saving and searching clients and property information.

Their program seems very good overall as far as the essence of them covering coaching and rehab and all costs, but i was quickly turned off by the sales rep named Scott,i spoke to who was extremely arrogant and impatient kept saying i'm geting dozens of calls each day and dont have the time to handle everyone, and needs to know up front do you have a couple thousand set aside for this business, i said i'm investing about that in the business now what do you offer that would warrant that< and he repeated the same and i said, well like i'm on the call now with you 2 min and 14 seconds care to tell me what all this is about and what the financial requirement is???

If this is a local bank that is going to portfolio this loan, they will most likely assume some min line usage/payment and use that in DTI.

I was wondering if there are any seasoned multifamily investors in Florida who have an in-depth understanding of the market.If you're someone with significant experience in Florida multifamily investing, I would be extremely grateful if you could spare some time to answer a few questions.

Happy to be connected to any good qualified intermediary in NJ. 3) I did live in it first year as a primary residence in 2018, but rest 4yrs were all investment property usages on my tax.