@Bob Roach @Merlina Rodas @Diana Tian The biggest hurdle to overcome in New Jersey is the HIGH property tax.

There are a lot of compliance issues we have to overcome on smaller loans but it is doable.

(Never carry a weapon with a live round under the hammer) If you are afraid of guns, learning to overcome THAT fear is the first step in learning to control the emotion of fear in general. 4th) Carry something as a back-up.

You're a level 1 character in this game and you have to overcome lots of hurdles to get to be a level 80 character with lots of uber tools at your disposal. 

I know there is not enough information to make an informed decision, but I just want to read any similar experience here to overcome my analysis paralysis.

You just take the total income of a property (usually just rental income) and divide it by the cost, which most lenders use what you said, the P&I + tax and insurance cost.Some lenders will take a look at the maintenance costs as well, but with a healthy enough DSCR that can usually overcome it.All that to say based on your original question, most lenders will vary a bit by what they would consider a ‘good’ cash flow, but 1.2 is pretty consistent.

One of the reasons some folks seek out creative financing techniques is to overcome the lack of funds problem.

What are some of the challenges I could face and how did you overcome them? 

Glad you have a solid team to overcome the hurdles!

Bridge loans can be an excellent solution for real estate investors who need quick financing to take advantage of time-sensitive opportunities or to overcome financing challenges.