But I’d be amiss if I did not suggest that instead you gain knowledge of the aforementioned 3 foundation by studying for a real estate agent/broker license, and then seek employment with REITs, real estate operating companies, real estate managers, or real estate brokers.  

Which is also one of the 3 fundamental needs of a business most often (customers, product/service, place of operation). 

You can check the NMLS for licensing (some servicers will operate without being properly licensed in that state).  

My updated expected monthly rental income will be $2,800, resulting in a cash flow of $795 per month (excluding my share of the split utilities).I plan to set aside at least 80% of my cash flow for property-related expenses.Additionally, I’ll be installing keypads and security cameras for enhanced safety and operational efficiency.

They look and operate fine and the cost to replace is minimal.

What is the T12 Net Operating Income? 

I say calculated because we are still within our first year of operations so I wouldn't be able to tell you what the actual average stabilized returns are until I have enough data.  

I am guessing his hands are tied as Norada is simply the marketing company and I am guessing no operational control of Wagner.

This level of professionalism becomes second nature.Frankly, when you come from a corporate background and you enter REI you are shocked by how primitive most "investors" operate.

Rough calculations on what I need to be looking for:90k deal (purchase and renovations to get max rent)20% down = 18k from me80% bank loan at 8%, 20 yr amortization = 72k-------------------------------------------------- Here's my DSCR calculation:Calculate Net Operating Income (NOI):Monthly rent: $125040% expense ratio (taxes, insurance, repairs, vacancy) = $480NOI: $1250 - $500 = $750Calculate Monthly Mortgage Payment:Loan Amount: $75,000Interest Rate: 8% per year (0.08/12 = 0.006667 monthly)Loan Term: 20 years (20 * 12 = 240 months)Monthly Payment ≈ $627.83Calculate DSCR:DSCR = NOI / Monthly Mortgage PaymentDSCR = $750 / $627.83DSCR ≈ 1.20Therefore, with a $75,000 mortgage at 8% interest over 20 years, the DSCR is approximately 1.20