The loan is with you, not with your tenant, so none of that means anything to them - in fact because you live in one unit and it's under 4, if you were self-managing you don't even have to abide by fair housing laws (at least on the federal level). 

We don't have them recorded, just signed as another layer of protection. 

This time you supposedly have the opportunity to invest in multii-family under development.

They are looking for "who is making how much money under what circumstances".

So I was paying under the market rent to live in the property, then moved out and rented my unit and it’s cash flow positive.

In fact, the average real estate investor saved $19,000 annually per property under the TCJA.

Institutional Borrowers (With In-House Capital Markets Team): We work with many institutional clients with 1,000's of units under management that have in-house capital markets teams.

I continue making the underlying mortgage payment myself (autopay) and get reimbursed from the borrowers payment.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

I tend to operate under conditions I’m familiar with, also taking calculated risks of what I don’t know yet.