As low income housing, I don't see needing to be perfect.

As I scale up, I would find a digital solution with low processing fees.

mailing to pre foreclosures is pretty low return or odds. 

In the beginning, the bank account would run low, and I honestly believed an inquiry would show up.....and they did.

Another way of getting by with low credit is through partnerships.

I bought the office condo for a very reasonable price and the mortgage is super low, $850 a month. 

Central Oregon markets have great appreciation, low vacancies and its just a pleasant place.

Your electric seems low.

I have the more would have should have stories I owned a number of properties in the bay area that I bought some for under 100k and one for as low at 12k in East Palo Alto :) Oh well if I kept those I would never have found bigger pockets.. 

If so, and you want to buy it as an investment, you'll have to put down 25%.CapEx and Repairs are way too low at 2%.