The practical reality is wanting to get started in passive investing with lower dollar amount minimum requirements.

For example, a $200,000 property might require $2,000–$4,000 per year.

A&D has a 2nd position DSCR but not revolving - installment only.AO has a HELOC but self-employment documented for 2 years is required. 

Department of Housing and Urban Development (HUD) and Bankrate, the big perks of an FHA home loan are:Lower Down Payments: They typically require a smaller down payment than conventional loans, sometimes as low as 3.5% of the home’s purchase price.Lower Credit Score Requirements: They’re designed to help buyers with credit scores that might not qualify for conventional financing.

CA maybe as high with their EIR requirements that cost 250k to 500k just for the EIR reports.

I loved not having to deal with lenders and all their requirements.

That's wonderful.Your state requires 72 hours of Real Estate education. 

Just finishing the SRT fire inspection requirement's this week. 

Or start a business which would require a lot more time than owning RE.If it were me and Dallas is appreciating, I'd probably hold onto it since you've had it since 2011.

The underwriting process is certainly more arduous than most acquisitions but through my personal experiences some of the lenders are far more knowledgeable about the requirements and make for a far easier process for both seller and buyer.