I'm sure people leave their $8,463.21 cashier's check when the bank does routine validation all the time.

While there are realtors assigned to them (to do routine inspections) they aren't actively marketing them.

By your post, it would not surprise me if you routinely break a few for a buck...and NO...I didn't hesitate to post this!

What is under routine maintenance.3.

You need to find the historically highest level of vacancy in your market and make sure that your asset can withstand that level of vacancy at the price you are paying/debt you are taking on.You need to be buying at a 1.5x DSCR at the very least, to make sure that when vacancy spikes on you, you can still meet the 1.25x DSCR that you need to stay afloat, when you consider the routine capex needs that a typical apartment complex is going to need.If you are buying an SFR, you need to determine how many months you can go without a tenant, because if your only tenant loses his/her job in a recession, you now have 100% vacancy.

Maybe true in the future, but we're talking about the past, not the future. 100% loans WERE made routinely a few years ago.

I know when I owned my real estate companies I helped agents with this stuff as a matter of routine they came to me their broker not the internet.. think of this as internet dating... :)  you will kiss a lot of frogs and you may find a prince.. but your broker is supervising you and has the ultimate responsibility for your actions.. you owe it to them to let them know what your trying to accomplish. 

I just got back last week from a routine meeting with our developers on the ground in Oklahoma City and saw many opportunities in the the 100k range.

I routinely do a cash-out refi at 65% of my purchase + rehab costs; the refi is typically up to 5 years with a balloon (amortized over 20 years) @ about 7% interest, and it can be done as soon as the day after the purchase.This is pretty typical for small banks that do portfolio loans -- in fact, I know a couple other investors here on BP that get similar loans.Find a small, local bank in your area that does portfolio loans...

Judges in my county routinely discount any late that is in excess of 15% of the rent amount.