Would you take a different approach?

So 2 W-2s, two charges. 3 P&Ls from different properties, 3 charges. 4 inputs for interest bearing accounts, 4 charges.

Let me know if you have different information I went to visit the factories in Las Vegas (great reason to go to Vegas..lol) and its impressive.

Tennessee probably works a little different than New York.

The proud property owner/Investor would make a little bit of a difference as they go alone.

You might also want to consider single-family homes with ADUs or properties with extra rentable space as an alternative strategy.It’s great that you’re looking to connect with investor-friendly agents and potential partners—having the right team makes all the difference.

Your not correct under many different circumstances.First property tax is 1.1% (fairly safe) with 2% annual increase (prop 13).Next expenses include a lot more than property tax and interest. 

I had two different companies.. one in Oakland CA circa 88 to 92 all investors all private and all 100% of funds for loans put up from the investors. 

Same basic structure they asking price is a suggestion, I offer what I think is a workable number for me and we negotiate to the "middle";  though the middle is not halfway, we never "split the difference". 

How long it takes to be financially ready is different for everyone.