I am not sure I would refer to 85% LTV as low if 95% LTV is possible.  

@Dennis McNeely, this isn't exactly what I was referring to but your input is still appreciated👍🏻.

It's harder to get started right now and people are unwilling to control there personal finances. 

Accepts 12 or 24 months of personal or business bank statements.

I know some software will do it for you but that is for more traditional lenders. ya the big lenders have a dedicated staff person for it.. 

Once you get a deal and an investor, you can refer the deal to the lender knowing that they will be able to fund the deal. 

Personally, I think the taxes are high and the services you get for your taxes low there.I know people that invest in Detroit but you must know the area down to the street and have excellent property management.However, I just talked to my CPA today about a referral he was sending me who is a client of his that has 30 rental properties in Detroit and selling them all because the City doesn't really help, charges for everything, and they never have given a security deposit back to a tenant after they stayed because of their behavior or lack of payment.

Quote from @Christopher Davis: It's important to understand the court will not award you compensation for your personal time.

Chris…I don't believe I need E&O insurance….I don't want to be a real estate agent…just want to use MLS for my personal real estate investments.

I have a vacant house a couple doors down from my personal home, in Texas.