Hi @Zhong Zhang I have used vacancy hacks over the years to get personal properties under 1% when turning tenants over. 3% increase depends on renewing or getting new tenants, when renewing tenants that's  a safe amount. 

I would start close to where you live personally. 

I signed up with them about 3 to 4 months ago, then found out how expensive the loan was to get going with them and told them that I would self finance it instead but they had to cancel the loan first...they use a company called Special Financing Company..the person I spoke to at REI his name is Paul, he said he would take care of canceling the loan, but a month later I realized that they were pulling $599 out of my bank account.

Raising your credit score will get you far better rates personally as well as with private lenders for your LLC. 

Since you purchased your primary recently and in Houston, I personally am bearish on your appreciation potential.

By definition, these type of loans are not the same quality as what is traded on wall street. 

Co-living is how I went from renting a room, Delivering Dominos, no savings, and not being able to qualify for a loan to financial freedom & a $2M net worth in 15 months.  

That is usually how they determine your LTV (Loan To Value).1.

I am still personally buying rentals but I am not expecting much in the way of cash flow at the moment.

Once it's rented, use that rental income to help offset your DTI, which may help you qualify for the second property sooner.Partner with Investors: Team up with someone to split costs and lower your personal DTI impact.