Also - underwriting criteria are changing mid-stream on investors - requiring more of a downpayment, higher reserves, better credit scores, etc etc. 

Multi family equals multiple streams of income.

Our goal is to have heathy income stream once we retire. 

Building more passive streams of income than a flipping business

There are some taxable benefits that you can't find with stocks or bonds - so you can take that in consideration when you are comparing income streams. 

Will the bank include those cash streams to help reduce my debt/income ratio, or will I need to get creative for my next deal?

Re-reading my post it does look a bit stream of consciousness inspired so my apologies. 

It is one of the premier gatherings focused on SEO with a bunch of seminars.It is all free during the live stream provided by BlueHost - https://yoast.com/yoastcon/liv...It is May 11th and all the speakers are available to live stream.

We have used GCs on a few deals but in about half, we found that we had to pay twice for work when the GC found a better gig and moved on in mid stream. 

And secondly, will the fix last or will this cause an oil spill?