Is your income considered variable in nature depending on job sites and that you do not work a set amount of hours per week?

experience: I’m on my 3rd flipage: early 40sday job: brand and web design/development retirement savings: noneI want to learn about buy and hold to secure having SOMETHING for retirement!

Success still depends on your effort, discipline, and ability to execute.

The first applicant made $4000/month.

.: The applicant needs a social security number or an individual tax ID number (ITIN).

It does depend on the lender.

No, I've not invested with SCDC, and it's not likely I will without evidence they can do / have done what they've claimed on their web site.

Quote from @Arvand Sabetian: Depends on your unit and size.

I wonder if there is a way to web scrape for when a new realtor is hired or passed exams in the area so that I could hit them up immediately.  

You can go as low as 2.5x in some cases but NJ tends to produce enough traffic/applicants where 3x should be minimum unless property is over priced.