I talked to Wells Fargo and he told me that everything else I have is good (the money down, job stability, etc.).

Gas or electric heaters , what type of water , hard, soft , acidic .

If local banks are not interested reach out to Wells Fargo as they do this kind of stuff all the time speak to someone in small business loan tell them you are starting a Real Estate holding company and planning on acquiring x# of assets that will generate positive cash flow.

The city has turned surprisingly builder friendly, the land is paid for, I will have a large cash reserve to pay for some of the upfront soft costs.  

I was a social worker back in the day so I'm confident about screening folks but worry that I might end up being too soft on problem tenants.

As for the roofing, I *probably* would not use a company that the tenant worked for unless it was really soft picking for a decent contractor or they were the best and cheapest in town.

Originally posted by @Jonathan Towell:@Brian GibbonsWhat does JV stand for? 

Don't throw in the towel yet....Charlie Fitzgerald

  @Jonathan Towell thank you very much for the great information.

I am primary mobile applications developer for CUC Soft.