The only factor involved in this case, is how many homes you can garner using cash versus financing and this will determine the function of your risk. 

One of the benefits of BRRRR versus flip.

I was wondering what are you thinking about BBVA and what was the main factor you picked them versus others?

I am back to phone screening applicants versus having a short (30min) open house and being done.As far as 3x or 2.5x gross income. 

Again, the spreadsheet with an attempt to identify  individual property variances and figure out what creates them,  Usually that is the degree of finish (new kitchen versus old etc...wood floor versus carpet)3.

They do loans based based more on current equity versus credit.  

Reason : not enough hours in a day <-I need to find way to help a few investors and work on my own future investing.Better tax breaks as investor versus self employmentIf I phrase out of 38% of my property management clients it might give me more time to help others and myself.

It's generally a terrible way to heat, as it's almost always the most expensive option on the utility bill(versus gas forced air or gas hot water, for example.)

As with anything, you have to compare the short term costs versus the long term costs and which is the easiest option based on your financial picture.

Maybe put Dear First Name (mail merge your list) for a more personalized touch versus another mailer.