For illustration purposes take my market, Philadelphia as an example and compare a duplex in North Philadelpiha (c/d neighborhood) to a duplex in Chestnut Hill (A neighborhood).

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Present the Facts – Show the rental market data and ownership costs to illustrate the financial reality landlords face.

This might reduce your overall interest costs and allow you to secure a more attractive rate compared to a traditional 20% down payment scenario.Platforms for State → City → Suburb → Street Analysis:For narrowing down markets, here are some platforms I recommend:Zillow and Realtor.com for broad market data, filtering by city/suburb/street.Roofstock for turnkey rental properties with in-depth neighborhood analysis.Mashvisor for detailed real estate analysis, including cash flow and rental estimates.Redfin and NeighborhoodScout for granular street-level data, crime statistics, school ratings, and property value trends.Once you narrow down to the city level, I agree that leveraging local resources—real estate agents, local investor networks, or property managers—will be key to gaining more granular insights on specific neighborhoods and streets.If you’d like, I can also provide you with a sample DSCR terms sheet to further illustrate potential terms.

Your examples of tenant evictions, contractor management, and neighbor complaints truly illustrate the hands-on nature of this business.I'm particularly interested in your experience and was wondering if you might be willing to share a specific instance where you faced a particularly significant, "make-or-break" challenge in your real estate journey.

s more than you want to listen to the @William Brown's (no insult intended, William Brown - you are here for illustration).

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

.: I am looking for a case study or resource that has various examples of investing from 1 deal in MF to an establised portfolio..I simply want an illustration of the capital that was compounded over time to the point of creating wealth and spendable income for the owner.  

To make the most informed choice, get a Cost Seg feasibility analysis (free) which illustrates the expected tax deductions and then assess how those deductions impact your tax liability, based on your tax profile.

Let me illustrate:1.