There's so many catalysts for population and job growth (Intel, Honda, Amazon, Nationwide Hospital, etc).

Are you looking to add more to your company or begin a personal portfolio?  

I had to put 20% down and I bought it using personal credit.

Quote from @Leonard La Rocca III: So is it common to find a conventional loan without meeting the lender in-person?

To answer your question directly: a person should apply (whatever that means in your process) before being asked to screen.

It sounds like this is their personal residence.

Any person ever worked with Paul Argueta (Dispodragons) or Alex Martinez (Real Estate Skills) as a mentor/coach, what has your experience been like?

.: @Steve K.totally agree. my point was that we won't see continued population growth going forward like we did from 1990-2020, and even in the absence of that growth, housing demand will remain strong.  

I've got little personal resources backing me up but am ready to dive into REI full go.

Hi Ven, I personally consider properties that at least cash flow with full occupancy.