I'm actuallu surprised and I'm sure there are volumes left unspoken here by the OP about how hard it must have been to make it this far.

We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

There's no blanket number that will make the math very easy.

Build - Rent - Refinance - Repeat the new BRRR with also hotel development and growing our land entitlement side. hotel development is simple, easy, and has institutional level backing. we really like extended stay development and just came from a hotel conference in Los Angeles. hope to close a few deals this year over 10 million 

Those can be had for 3-5 bucks a piece after summer so easy to replace.Waffle makers.

At some point you may need to consider the following:- The website that's monetized based on clicks and advertising and page impressions says this is a super easy thing and everyone should do it.

Also look at those Vrbo and Airbnb calendars and see how full they are and what nightly rates they are getting.Should be easy from here to see if a new property would pencil in or not. 

Also, to your point, it's easy to realize returns off 35k invested - especially when the principle payment year 1 alone is around 15k.

But I don't think I fully understand the law surrounding this and the actual ways it should be used.As I understand it, this is what you could do with such a clause if you are buying a property and the seller is financing it to you:As an example using easy numbers, you could buy a property through seller financing for a price of $100,000.

Exactly.  20% down financing for investment property will not be easy but if you have a W-2, maybe it's possible.