Hi Gabriel..I've been in and around loans since 2003..we work closely with our lending partner that actually can provide HELOC or fixed second loan using a variety of income including bank statements..I think you can go up to 80%-85% on a primary using bank statement on a second lien position.

Purchase price: $177,000 Cash invested: $50,000 - Single-family home in a Residential area near the University of Rochester- Purchased flipped home without inspection, many costly hidden issues revealed after closing - Currently rented for $2,200.

Variety of topics with different experts.

I don’t think you can narrow down Cincinnati by zip codes and more have to focus on the area as some zip codes can have a variety of areas.  

Someone could have bad credit, but good landlord references, strong income or employment history, etc.I score based on a variety of criteria, determine the level of risk, and then charge a higher deposit to offset that risk.

Alternatively there are several 'plug & play' national brokerage that allow you to work with a variety of up to 100+ banks/lenders but the challenge is again sort of being on your own when it comes to processing, disclosing and closing.

While the intrinsic value of the real property initially seems like a safety net, the reality of the capital stack reveals the risk.

I run the FB group Philadelphia Landlords Connect -2000+ small investors who have a variety of experiences that they share and help each other to find good contractors, navigate city laws... 

There is never any pressure to buy, and they offer a variety of consulting platforms to guide a potential owner through the process of purchasing passive real estate in Jacksonville, Florida.

Good post - would only add a small tweak on Multifamily DSCR - started as 5-8 but now stretching to 9 or 10 units in some places (i've been surprised how much this matters - see quite a few deals on the nine or ten unit variety that only work with DSCR).