This guy is in self destruct mode.

I utilize the Indiana Regional Multiple Listing Service and A La Mode Appraisal Software.

Thank you Sir, I actually have read Rob Beardsley's book and downloaded his model. I

HOWEVER, their FICO model is different from the FICO model most lenders are using, BUT it is the closest.The month before you pull your score, pay all credit balances to zero.

As for the Oregon coast property, I've learned the short term rental model is not profitable for us, and the only reason we've gone that route this far is because of sentimentality (the home belonged to my spouse's parents, and he liked the idea of being able to use the home ourselves when we travel to Oregon, which is about 1xyear).

Personally, I’m in cashflow accrual mode. 

But also just in research mode - I have a suspicion there aren't many deals right now.

I'm guessing rents are a little cheaper in Dayton, but I don't know that market.The medium-term/traveling nurse model is a great one.

But based on my current living situation (Still in renovation mode on my duplex I am occupying) I was hoping to get all 8 units at once and under the same loan.

I am still a newbie in research mode and I was talking to a family member who has a couple of rental properties.