are you working with an agent? 

That don’t sound too good.

Only mortgages as debts which are covered by rents.

Set an AM time that makes sense and PM times that make sense.

@Cameron Porter If you're looking at MLS properties, try focusing on ones that have been listed for 90 days or more, or check out expired listings—those are properties that were listed by agents but didn’t sell.

Real estate laws are local to the state where the property is located.

I think there are some good deals out there.

If expenses are high relative to income, the cash on cash increases when the down payment increases (16k column).

Yes, most large traditional lenders only focus on 1-4 units and other properties that fit into a box. 

Are $300/squares for GAF HDZ good rates.