It's honestly way more simple than people make it out to be. 

I see for Fannie Mae, investment properties, people can do as low as 15%.I'm wondering if rates are significantly different for 25% vs 20%.

Working a couple of deals there and looking to expand would like build relationships with a few key people there.  

For the property at hand I am hoping to have  coworkers Va entitlement remain in the loan meaning the one year occupancy would be waived since she’s already passed that threshold .

Ive  never been good at pitching people for money.

They seem to have some successful students.I expect just like any other real estate niche, it is not as easy as some people have made it seem. 

Hi @Josh Walker,Your lender local to Detroit must be using some homeowner's insurance premium "shouldn't come in higher than..." assumption(s) to qualify people because HOI is part of DTI.

I don't mind renting to lower income people and I don't mind if the neighborhood is all one ethnicity.

People need to eat and pay rent.

My objective is to get enough passive income to eventually focus on investing and building myself as a business as my job/career instead of working for other people or companies.