The GSE's (Fannie Mae, Freddie Mac...conventional loans) look at your "global cash flow", meaning they look at your current income and your current expenses, but most prolific investors now-a-days are borrowing in the name of an entity (LLC, S-Corp, etc).

That is an unusual number for a security deposit.I would tend to agree put in the appliances - make it easier for a tenant to move in - Looks like a nice enough place, no one lives on top of you and you have a yard for the kids and dog - 1st 3 months rent free with security deposit up front with 18 month lease - I was poor once and every $$$ counts when you can't afford new purchases Great backyard for an illegal global warming bonfire, with the family, on holidaysIn Arizona the owned media have made it their mission statement to make it illegal to have a backyard bonfire on every official federal holiday.

We just went through an unprecedented full global economic shutdown, and printed trillions of dollars out of thin air, and the fed thought they could fix this problem quickly?

If the federal government puts in place rules that say that "X is safe to do", and then completely and dramatically changes the financial landscape by changing from QE to QT virtually overnight, and dramatically jacking up interest rates sending the entire global financial industry into a tailspin is that really the banks problem, or is it the government themselves the problem?

I think in Oregon you have those that were priced out of CA. and came here to open shop same with Walla Walla area.Next thing I know the lady from Pine ridge is opening Archery Summit and building a Napa style facility then you had the French folks etc.So I think the wine industry here has turned ... its on the map... and with global warming maybe even will benefit what happens here with tonnage yields.

Population growth has declined mainly due to the abrupt decline in the global total fertility rate, from 5.3 in 1963 to 2.4 in 2019.[4] The decline in the total fertility rate has occurred in every region of the world and is a result of a process known as demographic transition. " - link"At the global level, population decline is driven by low and falling fertility levels.

I can’t think of a better way for you to make a tremendous mistake than than to try and buy in a market you don’t understand during a global crises that is effecting every home and rental value in every market and the most experienced investors are only taking educated guesses what the rental market will look like in 30 days, 60 days etc.

Jobs are projected to increase by 15% during 2017-2030, 1.15% job growth per year (Source: McKinsey Global Institute)In Dallas specifically, invest in A and B locations.

Credit, global DSCR, and Personal Guarantee numbers will be as strong as they come.

Globally a significant portion of humanity lives near oceans and as oceans rise (whether you believe climate scientists or not, evidence is showing that oceans are rising) there will ultimately be migration away from these areas.