@Anastasia P.Not off the top of my head, sorry.

I use all the rental cash flow to pay these loans off asap, then repeat.

I used to think that cold calling was the only way to get off-market deals.

@Matthew Posteraro I wouldn't necessarily say that it is a way to make them more hands-off by scaling up to larger properties.

Rates fall off a cliff if you go 25% down. 

Once I refinanced, I paid off the credit cards—so it was like eating my cake and having it too!

This deal was brought us off-market by a friend.

I strongly recommend getting involved with your local REI meetup groups so you can work out your pitch with help from other landlords.I hope this doesn't come off the wrong way without tone or facial expressions behind it. 

if you're W2 and full-time, hourly or salary, you should be able to go off your pay stubs for qualifying.

Well, the nay-sayers are bound and determined to promote their viewpoint, no matter how much the evidence contradicts them.