The number one issue, as I have written here before, is that people don't know what they don't know and they are unable or unwilling to expend the time and money to learn enough before they invest.

A triplex or maybe a bit larger, somewhere in the 500-600k range max.Mom is unwilling to do anything that would risk her cash flow. 

I explained to her that she needed and got the same cooperation from the previous tenant but is unwilling to play ball.  

The seller is most likely unwilling to lower the price or make these repairs.

However that is not the case.It seems banks are unwilling to count the rental income in my debt to income ratio.

I know as a salesperson I would not want to deal with a buyer unwilling to move in price.

As as a result, nearly all the major insurance carriers are entirely unwilling to provide me with umbrella policy insurance at all and the only one who would even take me for regular home insurance on my properties for a reasonable rate was Nationwide- who has absolutely horrible customer service and won't ever get back to me 90% of the time I've asked a question or for a quote on anything and its like pulling teeth dealing with them.

I've not heard many people say they had luck with FSBOs, which are often the case of the seller wanting too much for their property and being unwilling to pay a commission to get it.Bottom line?

Explain all the other variables and that it's because you're new (nothing wrong with that as long as you're analytical) you want to stay safe and conservative in all your estimates and are uncomfortable operating on razor-thin margins - all these things justify your offer.If you think of yourself as someone unwilling to compromise your integrity or business model, there won't be any hard personal feelings whichever way this deal goes.

The bad thing about gurus, really, is that most know that most people are unwilling to do hard work.