That being said if you are willing to start with a smaller property or have more cash reserves than we did as we were preparing for our wedding you can make the deals happen you just have to be creative with it. 

Just want to make sure it's ok to use the lease agreement since it says all rights reserved to bigger pockets.

Two groups that I will consider investing with again are Colony Hills Capital for multi family and FNRP, which specializes in grocery and big box store anchored retail spaces.  

But my realtor said they are going to do special assessment on this property and HOA runs badly. ( We requested HOA reserve document but no answers. ) We wanted to wait to see how special assessment going and close. 

We have a VA so she does all the tagging and I ask her to export it from Baselane, into excel, then I review it and give comments.Going Digital: Scanning and storing my receipts in real time saves me from searching for that one $17 plumbing supply receipt.

Real estate in a 401(k) is less liquid, so keep cash reserves for repairs or vacancies.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I'll also want to have more reserves available the more properties I have.Am I oversimplifying or missing something? 

I talked with Chris Sadler at Reva and to stay in theDST will mean no payments at all because the money will go to reserves for a unknown future.And to sell DST will only bring about a little more than 50 cents on the dollar. 

Debt is attractive to most people because they don't have the funds to do a project and instead of saving for years this is faster and easier but things go wrong and if you don't have reserves you can quickly find yourself in trouble.