Total annual income for all applicants meets the 3X requirement but the credit scores are 700, 595, and 545.

That place is a total joke.

That’s $31,000 more—totally worth a little vacancy!

You absolutely want to be concerned with this.I would just argue what you're concerning yourself with today may be totally different in that 10-20 year period.

Totally agree with @Mitch Davidson.

I usually hold 15% total for these.

It is A total wast of money.

In Phoenix, I rely on Pat Aboukhalen whereas in San Antonio, Dominque Leal has been a great resource.What’s your gut leaning toward?

. $69k for a 3 unit with gross rents of $2k a month and total expenses of $800 a month which included management and capX.

The biggest mistake I see out of state investors make is relying on others too much for direction and guidance instead of doing their own due diligence and building their own team that they actually meet and interviewRelying on one person who alleges that they have a 'team' built already that you can use as well can be a costly mistake.