Whichever strategy you go with, depending on the market you choose and who you choose to aid in your acquisitions and management, you can do very well.The scenario you land on will ultimately depend on your goals.  

In an acquisition, the bank will lend you based off of a % (usually 75%) of Loan to Cost (LTC) or Loan to value (LTV) - whichever is LESS.So, you buy a property for $100k, it appraises for $140k.  

Is this possible to do, if the numbers are good enough to cover the debt to both private lender (HML or PML) & owner finance payments or bank mortgage (whichever is used).

Whichever came first

When I was starting out I found that an ad in my local newspaper, and simple biz cards with my cell phone on it was the most effective.

The City's amnesty program will allow me to pay them off for $2000 or 10% whichever is less plus a $400 filing fee, after all the issues are corrected until then the fees keep accruing.

Forget about that Google voice crap and get a cheap cell phone and answer the phone when someone call.

So, my husband went over and noticed through the window that his dog was running around, and his cell phone was on the table.

If it's unpaid utilities/cell phone bills then I would probably deny them based on credit, but if it's hospital bills, I might be a little more lenient, as long as everything else checks out OK.  

I am lucky if I can read the names on the lease (sometimes they are handwritten) and sometimes the seller gives us tenant cell phone numbers at closing.Certified Rent Roll w/ security deposits- I have never received theseYear's Worth of Water/Utility Bills- I simply call the utility companies when we are considering a property to get the average bill over the last year.