Your bank or credit union will add stuff to the denominator like management fees, vacancy factors, maintenance factors, etc and they will likely want to see the numerator show a history of returns as opposed to using what the appraiser states on the 1007. 

This site is an incredible platform that has numerous resources so definitely take advantage of it all.

@Justin ElliottI am not much of a goal setter when it comes to numerical metrics.I try to focus on the right activities and have faith the production will follow proper consistent effort.2021 was an excellent year - my first year focused solely on Multifamily.4 deals as a GP 91 units $8.25M and 2 other co-GP roles 200 units $24M.I hope to take down some larger deals in terms of unit count and price in 2021 but don’t have any specific number or unit count in mind.

Just as Joe stated there could be caps in the area or numerous other things that could cause your ARV to be off.

There were still numerous opportunities to visit the kids and a few family reunions mixed in so it wasn't exactly going cold turkey from them.

The benefits of owning property are numerous, but here I also feel like we are investing in our new town and that feels good too.

There are numerous postings about sub $35K properties with many different philosophies that you may find useful for perspective. 

There are numerous ways you can go around initial limitations. 

During “large group” (definition: resembling a church service, takes place in an auditorium), music would set the scene, where the band would play 2-4 songs and all would sing along.

This platform is a great place that offers numerous resources.I would love to connect, and help you achieve this goal.