Also keep in mind a lender is going to want to see reserve funds in the amount of 2 months for your primary residence and 6 months for the investment property.

It's not like I can make a video of a testimonial with an agent/broker confirming that this stuff is legitimate.

Having reserves is critical to long term success.

My assumptions are that you are self managing, annual taxes are in around 2.25% of property value, annual insurance in the neighborhood of 800-1200, annual maintanence/capital reserves of 4800, and annual vacancy of one units rent. 

You'll need a few thousand in reserves plus the down payment.  

It is WAY better to have reserves and not end up needing them than to be in the opposite situation.

You might send them a photo of the applicant to confirm visually.With all the ID theft going on these days, one has to wonder.  

I do think about the next downturn and my theory there is that as long as my cash reserves are strong and the rentability is high then I'll be fine.

Can anyone confirm this?

Will I just have to save up enough PITI reserves and keep my credit good?