So, while money is tight I thought it would be a good idea to purchase home warranties for our 3 homes (10 individual units in total because of attached granny units and subdividing).  

Less competition and no bidding war.There are many MFHs under 150k in West Boulevard and Jefferson that are either turnkey or need a little TLC.The best way to find these deals is to work with an investor-friendly agent who is working to find these sellers, doing the due diligence on the property.

Your friendly agent was also working on the sellers behalf. 4.It could be argued that you was double teamed. 5.

Connecting with like-minded individuals can be invaluable when starting out in real estate investing.

Some already good advice in this thread...I'll try and add a few more tidbits.It looks like you are going for the material participation test where you do 100 hours and no single individual is going to exceed that. 

A friend and I recognized that we both have a passion and desire to pursue rental investing in our future.

Onward and upward, my friends! 

We are still diligently screening the tenants and they are agreeable to using their parents to cosign in one way or another.Can I have one parent cosign for the group if they agree or does each individual renter need a cosigner?

This criteria is for 1-4 and 5-8 unit programs.I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

You may be able to change bulbs/lamps and then take them with you when you leavehttps://www.alconlighting.com/blog/newsfeed/health-benefits-....My wife suggested these too, she has a friend that gets SAD.https://www.verywellhealth.com/best-light-therapy-lamps-7372...