It doesn’t require you to disclose any personal information. you just have to have sufficient assets for down payment and closing costs usually starts out at about 20% down.

Must meet self sufficiency test for 3-4 units on FHA though, which alot of properties in higher cost areas do not meet.Conventional allows 5% down on 2-4 units.

A handful of DSCR lenders will cashout refi after 3 months seasoning, but the vast majority require 6 months.

My concern is that without that amount of personal income available I would have difficulty establishing a sufficient amount of reserves for emergencies.

I figure the upside to the rental scenario is, of course, investing in multiple properties, while a downside would be having to most likely get a conventional loan on the second house with 20+% down and proof of sufficient enough financial reserves to handle two mortgages. 

So, in my market the VAST majority of homes an investor will invest in are "older".

In California, a Will alone is usually not sufficient to avoid probate. 

There are many buyers and sellers of sufficient sophistication not to require at least some of the typical bundle of services.

I've moved move of my clients who used QBO to Baselane (or Stessa), and it's vastly simpler, faster, and easier for them and for me. 

I realize the RE world is vast and full of scams, jargoned underwriting, salespeople, and crooks.