Now to clarify, I know how butthurt inexperienced investors can get when investing in Cleveland and not understanding how things go, so I am not taking their accusations at face value, it's not my fight, but it just goes to further illustrate that you have no regard for the truth when you speak.___ So, James what you have posted is irrelevant, What's conflicting?

[Source: National Association of Home Builders]Demand: The chart below illustrates the steady increase in household formation, a key driver of housing demand.

I think this is the strongest example I’ve seen illustrating what I mean by that statement.A sponsor that has a strong brand to protect (meaning not only are they well known, but have a positive track record and a long time in business) will go to the end of the earth to protect their investor’s interest.  

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

The income requirements and the dependences are illustrated below.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Now most times a resident is under market and this isn't an issue, but I'm just illustrating a point.

Not much in terms of online reviews as far as I can tellI invested in a lot in Colombia a few years ago and have yet to see a payout as illustrated in their initial pro forma on my $30K investment.

As illustrated in the diagram above, the investment city determines crucial factors: rents outpacing inflation, acquiring multiple properties with minimal capital, and the longevity of your rental income.

Those are two completely different jobs, but it illustrates the same premise.