AND it's recommended to layer in longer term monthly type of payments, like rentals.

This worked out to just under 4 months of available listing inventory in both the greater metro and the city itself.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Under 2000sf for 4bd/3ba is small.

However, short term rentals are much less passive than long term rentals and are essentially a hospitality business, which is in and of itself required a whole additional layer of knowledge and expertise.With regard to your question about private lenders, it’s important to draw a distinction in terminology between “private” and “hard money.”

Hello everyone, I'm under contract for my second buy and hold investment.

Quote from @Josh Ball: Quote from @Jonathan Greene: Smokers aren't a protected class, but they could argue that whatever the underlying "medical" issue for the card could be part of one.

Mortgages for LLCs with personal credit under 680 are tough and expensive, and under 640 are typically not really economically practical for the borrower. 

The underlying note is 2.71% 

Under what terms?