Now some lenders will impose overlays on top of these guidelines and be more strict, but no lender can be any looser.Now, there may be credit unions or non-Conventional lenders that offer different solutions. 

@Matt LopezI have never chosen a market for multifamily investing strictly by the Fortune 500/1000 companies in the area and I feel in the era of COVID, this is even less important.When selecting a market for cashflow and potential appreciation we want to see diversity of employers and a diversity of industries.

Some have restrictions on how many years (2 years on one that I had looked at to buy & didn't) you must own the property before you can sell or rent it (or if you can rent it at all), approval by the HOA of renters, strict policies that may have penalties / fines for non-compliance, over zealous HOA members / managers, and additional fees when transferring property or renting. 

As long as your wife is not obligated to your 6 loans and they are strictly in your name then this shouldn't be an issue.

We have a strict no pet policy and explained multiple times about it.

We hold webinars that are strictly informational analysis of data/statistics/economic conditions/formulas and how to underwrite properties. 

I am strictly a duplex investor and I have one in Ft Worth but most of mine are in Austin and Bryan College Station.  

For those that routinely execute with agency debt, it’s a fairly straight forward process.

There's a map here, where you can verify eligibility: https://eligibility.sc.egov.us...USDA property appraisals are pretty strict with regard to condition, just like a VA or FHA appraisal.There are also state housing programs that might help. 

I would imagine Florida with no state tax or the hotspot Texas would be more rewarding but of course ask your CPA first. yes i know certain MA areas can get that affordable but only few towns and far from me. i'm in boston/everett/medford and would rather leave the strict state of MA for a smaller cashflowing property if it will only be a few hundred dollars a month i'd hope the difference in taxes will make up for paying a PM, plus i'll have a relative within the city down there.