I changed to believe all HOAs are not created equal.

However, know that not all mentors are created equally.

Leverage equals risk.

If the calculation is equal to 1 then you are not making money, 1 represents that you have enough cash flow to cover your dept. less than one means you were not making money and greater than one means you have a cushion and making money. banks look for above 1 because they want to make sure you will be making enough money to pay them back and that you will have the money should costs rise and change your NOI, I know my bank looks for 1.25 DSCR . usually they just do not look at the properties, they will look at your personal situation ( credit card dept, alimony payments, medical payments) especially if they want you to personally back up the loan. there are a lot of explanations and probably better than i explained, all you have to do is look up DSCR, hope that helps.

It is very rare that monthly rents equals income. 

For me, I'm working toward financial independence where my passive income is equal to my living expenses.When you look at your daily choices through the lens of your long term goal, you set yourself up to reach it.

Fannie Mae’s HomeStyle Energy Program is a mortgage option that allows borrowers to finance clean energy upgrades equal to up to 15 percent of the as-completed appraised value of the home.

Also, Do you limit each investor to a max investment to keep power equal amongst LP?

A real estate attorney, not often found in CA is always a broker and equally qualified.

I have a break-lease fee equal to 2 months' rent in the ones I self-manage, which actually deterred at least one tenant from leaving months early, but I will also work with them if they have been great tenants and allow me to advertise and find qualified replacements to take over when they leave.