Good luck getting started again, I work in a National Commercial and Residential Title insurance as well as 1031 exchange, Lease Probe and Cost Segregation.

There is a national apartment association.

Be mindful that your lender will evaluate your property's cash flow and operating expenses prior to making a decision to lend and guidelines don't allow for estimates or the law of averages (sidebar---I would be interested in seeing some data on this national average of 45-50% you speak of).

There is national program of social direction “Available dwelling”, through which enormous means are inlaid.

That's why they are expanding, looking for people interested in learning real estate investments or those well seasoned investors looking for a team of like minded professionals to work with on a national scope. 

This is an interesting topic.The Urban Land Institute published Technical Bulletin 50 in 1964 following a years-long collaboration with the FHA and the Public Health Service (not sure why them).  

I'm the CEO of NARREIA, the National Association of Residential Real Estate Investment Advisors.

I've done some investment sales but mainly I do commerical leasing handling site selection for national retailers.

Gents...There are plently of NOO financing programs available for foreign nationals...LTV's as high as 80 depending how you document your income/assets...Hard money program will go as high as 90 LTV...I would need to know the specific status (permanent resident alien, non-permanent resident alien, etc.), to further quantify what is available.Regards,Scott Miller

That's about the national average appreciation for property.