So here’s the bottom line.For debt personally guaranteed, anything over 60-65% leverage does put your other assets and personal guarantee into play.  

Hopefully the three quotes when they arrive will be fairly insightful.

So as to not seem biased and to be fair one REIA may appeal to you and your needs more then mine so my pick for the last many years may not be your pick. 

We play games called, "lets show the property to a perspective tenant" and "lets go to closing together" and "lets deposit money in your bank account" and "lets review your college fund investments".

Due to Hurricane Helene, we had to unilaterally cancel a number of guest bookings in Cocke County, TN.  While no properties actually flooded, the entire area was a disaster - roads destroyed, rescues, loss of power, a...

That can play a role in aquiring favorable terms. 

But then the numbers come into play.

Decide which game you want to play.

My only backup plan if I can't get verified funds is to assume the worst and to drop my counter offer even lower than my original due to the risk I would be taking on, and then when I do my in person inspection try and guess what rents are fair market for the empty units, and ask as many tenants as I can what they pay in rents monthly.

Playing around with filters should help me narrow down rather quickly till city level, after that would be more local resource based play and leveraging ones network.Keen to read more on this.