I know this is a tough and confusing question, but hopefully someone can answer it for me.

I am reluctant to recommend anyone wait to enter the RE market because no one knows the future.  

I know tons of investors who have received additional discounts in rate and closing costs for having multiple files closed with the same investor at once.Happy to connect and strategize more creative solutions if needed.

It would bring her income just a bit over the 3.5x requirement but don't know if I should consider this prospect with those recent jobs.

Run your own comps when buying from any wholesaler and know your rehab costs. 

Are you looking to work closely with said partner to gain experience and know-how?  

The day land is more expensive in De Moines Iowa than oceanfront well know people are no longer lying when answering surveys.

I personally blame the alarmist asset protection firms, some of which are big on ad spending on social media to get in front of new investors who don't know any better (no fault of their own). 

I know all the second home loan requirements so no need to hash that out here.

Not strictly necessary, but nice.I'm currently invested with Rise48 and in contact with White Haven.Who else is out there that I should know of?