For example if rent is $2,500, you would expect total gross income of 7,500/month if my criteria is 3x income?

But my down payment 3 years ago is only 10% of the total price $42K.

We had to do a lot of electrical work, bathroom, kitchen rehab, total paint and a new roof.

Ultimately it was sorted because I clarified they legally had a joint responsibility to pay the total rent and there wasn't even an option for "half" the renters to pay late.

The investor then gets the property for a few percentage points of the total property value. 

Oregon saw it that way as well.. many folks got cease and desist using guru on line training techniques this just formalizes the activity and levels the playing field and gives both buyers and sellers a mechanism to get out of deals and or have a regulator step in..

The counties themselves take 2-4 weeks to record a document online.

I'm thinking interest rates will sit at 6.25-7.5%, with total cost at roughly 210k.

Doing a 100+ unit deal is totally doable as your first transaction.  

Can we DSCR out of this to get our money back out or will I need to sell it to get our $136k total investment out?