I appreciate the feed back from everyone, as financing can get a bit tricky, not to mention complicated sometimes trying to look at all the different ways to calculate how financing can or cannot me more beneficial than your current situation.  

Quote from @Jessica Neely: There are a lot of different techniques.

Megan Luckily the math part isnt too high level just addition, subtraction, some mulitplication and division but we as a community can all help you through it.Leave the complicated math for the wall street quantative analysts and derivative traders.

At first this sounds like a good thing because its a cheaper entry level but the more you own the more complicated life can get.

I learned many of my techniques from Brian Burke and The Hands-Off Investor.

They are often too complicated for tenants to figure out, they have too many ways to fail, and they are often easier to circumvent than a standard key lock.I use Schlage electronic door locks with a simple numeric keypad.

@Charlie Martin Buying under an LLC offers liability protection and separates business finances, but it can complicate financing with higher rates and stricter terms, and lenders may still require a personal guarantee, impacting your DTI.For your first property, consider purchasing in your personal name for better loan terms and transferring it to an LLC later if needed, while using strong umbrella insurance to mitigate risk.

Also, be sure to consult a CPA about the timing of transitioning properties to an LLC to avoid potential complications with financing or taxes.Take time to compare multiple lenders and products that fit your strategy.

Most importantly you can refine your phone technique at a low cost.

- How can I best estimate a breakeven point, and what techniques help maintain positive cash flow through all stages?