., sufficient insurance, application fees, certificate of occupancy, etc.).

Mainly because FHA has a “self-sufficient” rule when purchasing a 3-4 unit property.

Judicious use of leverage (debt) when the property will still cash flow positive after debt service; when there’s enough equity left in the property to refinance if advantageous, and when sufficient reserves are held to cover vacancies, recessions, and unexpected repairs5.

I just saw a post by @kenny Simpson (who for some reason doesn’t show up in @ search, that said there was a Fannie Mae low downpayment option with no self sufficiency test…) maybe you can find it though I don’t know why I couldn’t mention him. 

Six months reserves should be more than sufficient to qualify and conservative to account for any (eventual) unforeseen circumstances. 

@Elvin William I think you will find that very little will change and the Seller will still pay the commission for both agents in the vast majority of transactions.

We were under contract for a couple of months while we got through the various contingency periods (attorney approval, inspections, appraisal) and while the tenants were given a sufficient amount of time to move out. 

@Mohsin Mazhar look into class A-/B 3/4 units these tend to have sufficient cashflow so you make money even after expenses.

The vast majority of lawsuits against Landlords are for wrongful eviction, security deposit disputes, and Fair Housing Violations.

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