They can sit down and figure out your DTI in a more meaningful way. 

I will sit on my laptop with google docs sheets and redfin app on my phone, pick properties and analyze numbers.

There are two homes on one lot and the homes were originally built in the 1920's. It's

How long can you sit vacant before you lose money?

I'm happy with it, would love to find more at 10 percent and I'll just sit on my money until I do. 

During that time, I have also been incrementally increasing my cash reserves and I currently have enough to cover any expenses for at least a year in the case that I can't find a tenant and the property sits vacant.

Me personally, I would obtain a HELOC so the money is available to me whenever I need it but I won't be paying interest while the money sits around waiting on me to find a property.

It's a 4plex - one unit is a triplex with another small single unit sitting on the same parcel of land. 

The second thing I want to tell you is I'm going to give you a bonus, (he takes out his checkbook, and writes this check out) "and I don't want you to look at it until you sit down to car and drive away, deal?"

Personally I would start building a buyers list, because a bunch of buyers have been sitting on the sidelines due to the Covid.