Particularly, since you're on a forum heavy selling your practice or "model". 

Multi Family is much more heavy on the income numbers.

So it crushed us cashflow wise because we couldn't finance anything and all of a sudden I'm too asset heavy and cash poor.

Owner occupied loans have allowed us to purchase properties in markets with heavy appreciation, and potential for huge rent increases.

I feel better now, but perhaps I should start looking for a lawyer who can help on the matter of the tenant taking in her mother without my permission and they having walled in the deck with heavy curtains, which impedes air circulation, etc.  

If you do pick a market with heavy single-family or mobile home segments, keep your eyes peeled for local property management teams who actually cater to that niche.

I love how you emphasize starting early and building relationships; it’s a reminder that trust and credibility don’t happen overnight. 

I'm at the beginning of my investment career, fresh out of college and pretty heavy in debt at 7% interest.

Dont get me wrong there are plenty of heavy hitters that just scan the site and dont really post. 

You mean the water was so heavy that it cracked the floor joists and the entire floor and basement ceiling fell in?