Secondly, recent studies conducted by the Center for Housing Policy has determined that homelessness is a principle catalyst the drives many first-time offenders to become repeat offenders; "...ex-offenders who are unable to find adequate housing upon their release are more than twice as likely to reoffend as those with stable housing."

If so is the Free service adequate?

They are also employed in point-of-use situations where the hot water run is sufficiently long that there is an unacceptable drop in temperature between the central hot water heater and point of use.I do agree that in a centralized, whole home, on-demand application a natural gas fired heater is really the only adequate choice if you are geographically in a place where source water temperature is <=10C (such as winter in all of Canada and the northern U.S.A.).  

I had adequate savings, or so I thought.  

If the seller has pain points that cannot be adequately alleviated by the traditional listing route, other strategies have room to move in.

Also, while you may want to take the risk for a refinancing, in today's sellers market for multifamily properties, any decent investment sales broker will not recommend a seller to pick the offer of a buyer with less than adequate net worth. 

My salient recommendation (not matter what) is to have adequate reserves for whenever an HVAC system breaks, etc.

Other people will keep each asset in it's own LLC [or in a Series LLC, which I made for scaling investors] while there is another group who work with assets that can call for multiple LLCs to adequately operate.

As others have said, it is important for you to understand the income potential, vacancy rate, operating expenses, and term/interest rate offered by the bank you are working with in order to calculate this ratio with much accurate- I guarantee then lender will require solid projections as this ratio is very important for getting approved.Beyond that, a lender will also (most likely) be looking for you to personally guarantee the commercial loan, leading them to look at your financial status as well- including DTI less than 41% and adequate liquidity to cover vacancy periods where the rental isn’t generating as much rental income and any unexpected repairs that might come up (example: if you have tenants in a building and the furnace breaks down requiring a $2,000 repair you will need to do that immediately).

If you only have 3k a month coming in without adequate cash reserves you are taking your chances.