Top 3 things I routinely see on Schedule E that screw up an investor's calculated DTI:- Fair Rental Days.

We're routinely in and out fixing items off that list, inviting opportunities to point out issues.The message has to be clear, the landlord gives a damn and is a solid, reassuring fixture in the tenants' lives.

Yes, I handle these transactions from the seller side routinely.

This requires a level of multiple entity communication and coordination that a title company usually is uncomfortable with. 

She seemed pretty cool to me, pays her rent on time, but her credit is bad.I agree with you, if a combination of factors make you uncomfortable, then go on to the next one, if you have a next one.

I felt uncomfortable about the way she responded but am glad I stuck to my guns because had I not I would have spent likely $15k more that I did...now after the market crashed I was up a creek on paper with places in the area selling for $90k but I held firm to the concept of buy and hold and now it's a great little asset.

In my experience investing requires you to earn more, save more, get your credit score up, live frugally and uncomfortably and work your *** off for a while.When you've done this for a long time and have a great track record I think it's more feasible to get into deals with less of your own money. 

I want to start analyzing deals just to get some practice and get into that routine, but as only a free user of BP, I only get 5 free uses of the calculators.

We put $2,000 deductibles into our agreements  for major capex and do no routine maintenance of the property. 

My hard money lender is uncomfortable using the property purchased as collateral, if I use another property I own outrightAs the collateral she’s only entitled  to the amount of my debt to her,right?