@Bruce WoodruffNo, I’m supplementing the 97% of scientists with my own knowledge of the data, which I shared a bit if above.

Additionally, any refinances or supplemental loans are reviewed as a return of equity so no tax impacts.

Actually I forgot about the supplement we submitted and got approved for $7K profit on top of that.

Clearly, I did not sugar coat anything. 

Loan assumptions with supplemental debt are becoming even more appealing.

I feel it’s built a good base for me to start so now I’m looking to diversify and get into some more of these higher return markets to supplement, but I personally would have never gone straight into those markets if I didn’t have a stable base first.

We're looking for good cash flow from buy and hold properties (the goal is to have passive income to supplement some of my income so I can retire from my day job when we start a family- I guess that makes me a motivated buyer :).We're having trouble building a real estate team, and any recommendations y'all have would be so helpful!

I wont sugar coat things or tell you there is a pot of gold at the end of the Rainbow.

Tenants have options I do not.It sounds like you are supplementing their rent already so why not fill the oil tank at your expense to protect your property then give them the boot as soon as your costs over power your emotions.

**How to underwrite a applicant that is retired living on supplemental income and proceeds from a sale of their home?