If your DTI is bad (like mine was for several years) then you’re stuck with DSCR loans with 20% down.

85% LTV is available with at least a 710 FICO and 1.1-1.2x DSCR (not every state though).

Hello everyone, I really enjoy real estate, this is something I really want to do.

The key is to get in early and not too late.

At the same time, I feel that time is against me.

If I understand you correctly, this is a simple seller-carry situation.

Some areas worth looking into:Centrally located neighborhoods like Alhambra and parts of Maryvale still have affordable properties with strong rental demand.West Phoenix (Tolleson, Avondale, parts of Glendale) offers good price points with room for appreciation.South Phoenix is seeing a lot of development and has solid long-term potential.Mesa and pockets of the East Valley can work, especially if you find something that needs light rehab but has strong rental demand.It’s definitely tough to get both cash flow and appreciation in today’s market, but if you’re strategic with your buy, rehab, and financing, BRRRR is still doable in Phoenix.

Is it difficult to pull into QuickBooks with Trident. 

You could put it on the market (and you'll know what that second assumption is), and at the same time do whatever you can to get the tenants out (and know what the first assumption is).

That puppy is adorable!