(Usually you cannot use prior employer history until you have been at your new job for 6 to 12 months, depending on the underwriter to show that you are maintaining the same level of bonus/overtime/commission income that you had at your prior employer).

But I usually heard this from people who had never owned a business before, didn’t have the cash to back up their plans, and often were planning to maintain full time jobs.My advice: Start with one business.

You said, "I'll have to put in extra of my own money for reserves..."

So paying the $2 extra for the juice, but being able to portion it out in cocktails that you can charge much more for... 

They are short term loans, usually 6-12 months, high rate, interest only payments. 

That will usually stop them in their script.

It would also have to be put up and taken down between each tenant and I don't know how responsive your PM will be to this extra work. 

Getting rid of it; depending on how much, isn't usually an issue. 

With the extra cash flow, you could strive to acquire additional income-producing properties over time.

Unless you are planning on investing in your back yard and have extra time to spend, getting a good PM is very important.