I look at each deal for the win/win test, as I am not out to loan money for a lousy deal and put the investor under a financial burden.

Loan rates on the ReFi have prohibited us from building a bunch more 3-4 unit properties recently, just kills the CF of the deal, but going all-cash on the purchase & construction still pencils. 

Most will have a hard set no if there is any indication of un permitted work since it is a long term loan.

My first year was filled with attending classes (I'm with Keller Williams, and they provide awesome free training to their agents), talking to people (in grocery stores, family, online chat rooms, etc), and listening to Bigger Pockets podcasts as I drove (alone) or walked my dog.Literally in year 3, I started getting repeat clients. 

Ask or go on line for property taxes3.  

-I have an online portal that is updated most of the time showing rents paid so the tenants are not the issues.

And I’ve taken out five 401k loans up to 50k to buy properties.

We could take a loan out on the $675k versus doing all cash. 

But for vanilla every day deals we look at short.. now this is deciding if we are going to loan on it or not..

I would not be doing a condo because I would use a DSCR loan.