There's a few other exceptions such as a tax lawyer, but I find that a lot of folks find comfort in just having me respond to any notices that they might get.

The only thing that bests fear is courage and we only need a mustard seed of that to get things going...People often spend money on college and never go in to the field they spent that money on...the greatest lessons and the ones most remembered are learned 'on the job'.Wishing you more good news in the future and an exceptional 2025. 

You could absolutely save the money and over time, learn everything I learned by listening to podcasts, reading books and watching youtube videos (except having the regular check ins with a mentor).

I tell them that in my marketing, it's in the header of my application, and we do not make exceptions.

There are some exceptions, but the HOA dues normally kill your returns and there are all kinds of other issues having tenants living close together. 

It's pretty common practice to have something like that in a property management agreement, and if it falls under that limit they're going to pay it and not notify the owner except in regular monthly updates because it is below the threshold of what is an ordinary expense in the course of business.

Worked out great EXCEPT I went from paying 700/month to 1400.

I haven't bought anything in over 3 years--instead I've been watching the multifamily market implode mostly from the sidelines, except for the thousand or so units that I still have. 

I am based in Seattle, but is licensed in Tx.You can acquire your a primary residence from up to 1-4 units for as low as 5% with conventional or 3.5% with FHA with a few exceptions.

With your $1,100 rent and the potential for an improved loan structure, it's worth reaching out to DSCR lenders who are flexible on reserves and leverage.Key Points:Highlight your strong FICO score and existing equity.If your DSCR ratio falls short, some lenders allow exceptions for high-FICO borrowers.