I also have solar panels on the property with a monthly loan payment of approximately $150 a month.

There's a real push in the industry to go digital with it. 

Subdivided off the adjoining 3 acres to become free and clear and now am developing into 9 more units using the land as down payment for construction.

I'd then work my a$$ off to pile up another down payment, and buy another as soon as possible.  

In all, we were able to do a cash-out refinance after 1 year and got our entire investment, including down payment, back into our personal accounts and we still have a cash flowing property.The beauty of smaller town and communities is that often big-time investors are not looking at them as closely and they can cash flow quite well, at the sacrifice of "natural" appreciation.

So i want lenders but the 20% dwon doesn't work for me it's to high i get 11% rate and 20% down but the down payment too much for me not work for me 20%.. so if you can help with this or you know someone you work with and you trust so pls let me know... ty have great day

Does anyone list particular debt limits (like, "no debt in excess of $1000 that isn't in a payment plan") as part of their screening criteria?

It is discounted because the borrower has not been making their payments.

Hi, if I wanted rent payments ACH deposited like clockwork from tenants every month, what would I need ?  

Can he comfortably cover the payment is he gets a POS tenant?