Of course the further you go back, the more difficult and more supporting proof that is needed.However, there are electronic payment options that are very difficult to reverse.

This is a sometimes a difficult concept for non-contactor to grasp but:  The Customer Always Pays For EverythingContractors do not have some secret source of funds - every dime they have or spend or make is obtained from the customer.  

It's difficult to navigate and not intuitive. 

Renate (Petronella) Kerssens Hi @Petronella Kerssens, Orlando I would probably focus on the PadSplit model, LTRs are difficult to find on market, though there will be deals off-market.

For turnkey properties (given your $20k constraint) it may be difficult to break even on cash flow within 2-3 years.

Also love @Patrick Allen's reply mentioning.(1) HELOCs on primaries are easier to obtain(2) High rates may make cash flow difficult unless there is a clear & compelling refi strategyItems I'll add from my seat.(1) Although rare we(Lower.com) offer HELOCs on investment properties, but the terms will always be better on primaries.(2) If you're moving into the next home, needing to only put ~5% down doesn't leave you very exposed to the higher rates of a HELOC.

It’s much more difficult now to get your property licensed through the city for STRs.

This may be difficult in NY, but hopefully you can apply his rent payments to the unpaid violation fees then evict him for unpaid rent.

She's not happy and may be difficult to work with.

A house that cheap is going to be difficult to finance with traditional methods.