But you'd have less disposable cash and your cash flow wouldn't look as good to other banks for future loans.

Financial obligations (bank payments + rent) as a percentage of disposable income is at a 40-year low.The average household wealth of the bottom 50% of households is at a historic high...there is no comparable period whatsoever.If you back out real estate gains, net worth is over 100% higher than pre-pandemic levels for the bottom 50% of households.Bank deposit balances of the the bottom 50% are $10,000+ and $3,000 above pre-pandemic levels, and kept increasing in 4Q21 after 3 quarters of increasing inflation and lower fiscal support payments.Government unemployment insurance benefit payments have trended to near zero.Nominal wage growth for the lowest income quartile is growing at the same pace as inflation.2020 had large gains in real wage growth; so, even though real wage growth is severely negative for the past year, the 2-year trend is break even.If real wage growth is -1%, it would take ~6 years to burn off the excess savings of the average bottom 50% of households.

Tons of support, a community with in-person meetings, online instruction at my disposal, and a direct path to steps I need to take to start doing deals much faster than guessing from a myriad of very good information out there, with no clear path. we can always make more money, but we can’t make more time. 

It's your all-in cost.A monthly disposable income of 5,200 leaves 25% for the rent at 1,300, or about 75k yearly before taxes.Your cash flow with a 30-year mortgage assumes 100% occupancy. 

#1 method is however its important that the lender on the file knows the difference of which method to use in the specific scenario so that there are no issues when qualifying for these income property/house hacking property strategies.method #2 above is used in FHA and conventional and VA, but there are some additional hurdles used in FHA and VA such as the 100% coverage rule in FHA, and for veterans they need to have enough disposable income depending on the family size, but with conventional its pretty straight forward.

Service sector jobs tend to pay less than manufacturing jobs so the families of these workers have less disposable income.

I am beginning with poor credit and little to no disposable income.

I'm brand new to this & do not really have a network of investors at my disposal.

Update stuff at turnovers and then at the end when you go to dispose of it and sell it... remodel it to reflect current market trends.. or do it when the market is down and people are desperate for work...

Does dealing with people with great pasts and lots of disposable income sound appealing then the way to go might be a big money appreciating class A property.