Are you cash flowing the property?

THEN, I plan to purchase the second home using a FHA or conventional loan (3%-5% down), for which I will likely pay the monthly cost out-of-pocket, maybe with some rental income support if it is a duplex.My concern is, I do not want to spend my savings or weigh down my debt-to-income ratio so much so that I cannot qualify for and pay the down payment and closing for the lending on the second home.Questions: - With the first home being multi-family, 75% of the rental income (or potential rental income initially) will relatively either maintain or boost my debt-to-income ratio from lenders' perspectives, right? 

Best I can tell all in all we about 3X cash on cash over 5 years.infil lots depending on lot we could double our money in 9 to 12 months cash on cash.. so on and so forth.

In my analysis the cost for an ADU in kern county would run about $85K and I have saved about 75% of that right now.  

Between the equity on the condo and the extra cash you have, you can purchase 2-3 homes. 

A DSCR refinance can also allow you to take some cash out if you want to use it to put down on another investment property and when you close simply close in an LLC.  

.$300k cash flow in 20 years is an ambitious but not unrealistic goal. 

Another must have requirement is to have positive cash flow.

They saved up money.

My budget is slightly constrained for this first property so looking to save on purchase price and hopefully add value through renovations.