No commercial lender is going to expect you to have a DTI sufficient to carry a mortgage on a 800K - 2.5mil apartment complex.While you income counts less, you will need to bring a bigger bag of funds when you shop.

My company is Authentic Properties Reliance -- newly formed real estate investment company.  

Based upon Linda's response, you better pack your bags and move back to New York.

Thanks for the shout-out, @Ray Johnson.  80 units is somewhat of a grab-bag. 

I also figured by doing seller financed with little down, I don’t have much risk on my end even if the deal was shot he can decide to take the property back if worse comes to worse.. and I doubt he’d want to be left hold the bag

The best route I've found is closing cash on enough properties that I can group 4+ units, then getting a blanket/portfolio loan across each asset; you get the best terms.Closing with U.S. financing as a Canadian can be quite the financial gymnastics since you will be required to have your signatures notarized by U.S. notaries; thus, you either have to travel down to The U.S. each time to sign or spend $1,500+ to have the U.S. consulate in Canada authentic the signatures (which cost me a small fortune during COVID), OR, if you have the option of designating a power attorney who is a U.S. resident to sign on your behalf.

I have no problem with knocking on a tenant's door and tell a tenant to remove their trash bags from the balcony.

Or go buy a bag of pot, break it up in a bunch of little bags and put it in his office and call the cops.

Some comments:Small gift: There are some handy gifts to give when tenants move-in (e.g. travel bag with toiletries since theirs may be packed away), but I haven't heard of new owners providing gifts.

Lean except two grocery bags of belongings, a mattress, and she left broken furniture on curb.