This guy has a blue collar job, on paper borderline, but the way he aced the security deposit issue convinced me that this is one of the indicators of a good tenant.That's why tenants who couldn't even come up with the month is in my book, certain sign of trouble.

LOTS of people get down payment gifts from family, and LOTS of lenders & borrowers prefer that gift funds go directly to escrow to keep the paperwork a little lighter (one less round of "source this deposit" and bank statements and transaction histories).

I’m looking to owner occupy a fourplex in Lee’s summit or blue springs.

Bottom line is that first, you have to go lighter, second you have significant prep work, and third if you do some searches you'll read lots of people that wish they had not done it.

I have researched and studied until I am blue in the face, and then figured that an outside opinion might help make the difference; the overall intent is to create immediate cash flow . 

Or I could take a 15% down and offer it up at higher financing for blue collar applicants.

Or try out the "blue sky" rent increase to earn $200 more per month?

Blue to vape, but not Mr.

I only buy homes that are in safe blue-collar neighborhoods. 

I also thought SeaTac had a reputation as being "blue collarish" but it reportedly is right in the middle of Seattle and Tacoma offering great path to progress and easy commute to Seattle (via rapid transit)....Alaska Air's HQ is right next to property and there are massive expansion plans, which looks to be a plus...On the other hand, I cannot help wondereing how many potential tenants want to  next to an airline construction activity and a casino.