I have crazy high DTI (like 80 to 1) but large reserves, crazy high credit scores, and fairly small revolving credit card balances ($20k to $30k but paid off each month). 

Have you found other markets that seem to balance these concerns better? 

By expanding density, a city like Dallas would multiply the housing supply, which naturally helps balance demand and affordability.

Investing in multi-family properties requires balancing immediate repairs for cash flow with long-term renovation plans to maximize value.

Strategic planning and phased upgrades are critical to balancing renovations with ongoing operations.

Strategic planning and phased upgrades are critical to balancing renovations with ongoing operations.

Strategic planning and phased upgrades are critical to balancing renovations with ongoing operations.

Strategic planning and phased upgrades are critical to balancing renovations with ongoing operations.

Balancing tenant needs during phased renovations has also been a learning experience in maintaining cash flow while preparing for larger improvements.

However, my favorite method is still the simplest: checking the cash in the bank.Each week, I look at the current account balance (minus any outstanding credit card balance), compare it to last month's balance, and even check back to last year’s balance.