Travis, I have only scratched the surface on ways for you to obtain financing.Just take your time and continue to SAVE your cash.Travis, cash rules!

You are just scratching the surface looking at traditional financing.  

But for larger overhangs (islands etc) & to avoid having to put in supports that you hit your knees on etc I lay in a piece of 18 gauge steel & epoxy the slab to it.They do offer a metal support that cost around $75 a piece plus install but I can do the steel plate cheaper & cover a greater area.We regret doing one kitchen with the thin 'Chinese' granite.It cracked around the sink & the surface scratched easily.

I just recently learned about the Subto community & have scratched just the surface. 

On the surface, your purchase and rental price spreads look nice but your stated financial terms are all over the place , particularly the 2 separate dollar values you provided for net worth (net worth is not variable but rather a single mathematical integer) and Cash Flow.

Sure, she could quit both jobs and go into hiding, but sooner or later she might surface, and the judgment will be following her. 

This discussion, whenever it surfaces, serves to highlight how local real estate truly is.

The issues come later:When a deal goes south, when an investor has their attorney get involved or when other things might happen where third parties get involved (estate matters, legal matters) that's when the origination of their loans surface and that's where folks get nailed.What you may have meant by "soft" might be where eyes are turned away from some matter by a regulator, like a cop not giving a speeding ticket, at one time, there were various issues where I'd let something "slide" as there are considerations to enforcement, won't go into all that, but it doesn't mean it can't be serious.Those matters that later go before a judge where a violation is not brought against someone doesn't mean that judge isn't aware and takes that into consideration.

Since we normally rehab for rental, when feasible, we will pave the drive (even overcoat/chip seal) as it makes a better surface for snow removal, etc.

With that being said I haven't even scrapped the surface of real estate.