I focus heavily on the sell side and on the buy side only work with high net worth individuals so the newbie wanting a 400k multifamily with an FHA loan probably isn't for me. 

  $100,000 fine for any company per individual employing illegal aliens. 

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 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

A prudent investor doesn't seek quick riches through shortcuts.

You would have to go after the one individual for non-payment and you could only remove the other three by going through the legal process like you would for someone on a verbal agreement, which puts you in a he-said, she-said situation. 

In smaller towns, this is usually a specific individual within the Planning Department. 

I believe sometimes a bad experience is more reflective of the individual than the company. 

The out of the box strategies and set ups sold will never replace customized AP/Tax strategies based on individualized circumstances. 

I would like to connect with like minded individuals.

You’re still a teenager so it is easy to see all these “gurus” talk about how rich they are and how they don’t have to work – don’t fall into the trap.