@Unal Baris Kancoglu - if it is an easy switch out, probably $8k right now.  

It's easy to get bogged down by too much software in today's world.

What matters more is how easy can you get there, how often will you be there to learn, how good is your team. 

Quote from @MIchael McCUe: Money isn't easy to save and $10,000( my debts) is a ton of money I want to save for a downpayment, I'm just starting so I don't have any money I would like to save $60,000 to buy a rental property, I think I could do it in  5-6 years, my brother filed bankruptcy and they relieved him of $6000 in debt from cash money.a list of my debtGst Hst Tax 4500 income tax from working with my dad I oweScotiabank credit card 1400Canadian Tire credit card 500cash money loan 2400Belair 600echelon 600should I pay the 10k back in the next while or should I file bankruptcy like my brother as It won't be for years until I am able to get a downpayment for a rental house anyway.Here are the negative consequences, in regard to real estate, of filing bankruptcy1.

Possible (but I doubt easy) if seller takes a 2nd / subordinate position to the bank or is secured by other property you own.

I know REIGuard is easy and designed for investors.

It's easy to get bogged down in the grind.

I was very impressed with the communication and the easy process.

It's always going to be easy to look back and wish you would've invested in year X.100%!!

Local references are invaluable because those lenders have proven themselves in your market.Work with Reputable Companies: Some well-known DSCR lenders with a solid reputation include Lima One Capital, LendingOne, Kiavi, RCN Capital, Visio Lending, and Easy Street Capital.