If you spent it trying to find an incredible deal, that in itself would be a wish investment of three months - One with a pretty good return.

My point in spelling out the above is that if I were in your shoes, my honest opinion is that I'd do my homework and be as wide-eyed and intentional as one can be in terms of where and what I purchased.Both of the Christian's in this thread made a good point that jives with what I'm getting at.

actually i ended up signing up for the plus membership here, the calculator tools are just to good to pass up for 90 dollars a year. makes things incredibly clearer i highly recommend the plus membership at the minimum

CompsAll that said, Lenders can do what they like and there are some very widely accepted practices but that doesn't mean you can't find a lender who is an outlier.

The wide variety of topics they cover just gives so many different perspectives and methods to open your eyes too.

Ultimately we want to build up to capitalize on some incredible views with a nice deck.First post after a long time lurking.

You need to increase their rent to market rent AND THEN go on to add additional income streams.Whereas you've received a wide range of opinions, I think we all can agree that your reserve are not for subsidizing a tenant. 

Accompanied by many industry leaders from the Central Valley covering a wide range of topics.I learned a lot and gained some great resources and contacts.

Anyhow, it would be YEARS before I could get all of the licensing needed, and I am learning an incredible amount and would hate to give up this opportunity or have anything negative happen from this.

It's  such an incredible resource!