Your Global DCR also becomes very important if you want to scale up to 20, 30 or 50 or more properties over time.So rather than just he saving your goals and growth should dictate how you set up your loans and your amortization periods. 

They also look at your experience, global cash flow and reserves.

(my emphasis)Here are the basic stats on single-family home sales for May 2017 for the city of Austin and the greater Austin area:Affordability is applying downward pressure on the market, as more and more buyers are priced out by Austin's rising prices.

I have a college degree in business with an emphasis in real estate.  

There is a real emphasis on development in this area.  

This means the process is a lot less stringent (based on personal financial statement, debt coverage ratios (subject property DCR/global DCR)) and funds much more streamlined and quicker.In a recent example, a conventional cash out was only going to get me 65-70% LTV around 4.75% with no points, but if I went with portfolio it was going to be 4.99% up to 80% LTV with 1 point cost and terms were 10 year with balloon thereafter, 5 year fixed adjustable rate within the 10 year balloon period, 30 year amortization - principal & interest payments, w no pre pays. 

It seems crazy to me that with all the globalization going on, your applicant doesn't exist to the credit reporting agencies.

We've opted to start our focus 'in our backyard' here in Lake County, though may (likely will) branch out further with time...Non-RE investing background:  I'm an engineer by trade (with all the anal-retentive number crunching that comes with it), presently in a 'Global Strategic Planning' role at my corporation.  

As a young professional - emphasis on young - my paycheck only stretches so far.

As a global investor who survived 3 currency crisis in Russia i can tell you - right now (with 3-5 year horizon) the dollar is the nicest house in the bad neighborhood.