If you start filling up to quickly then you might be too cheap. 

We have tenant that is stating they will start looking for another place to live.

Hello, I started a project 2 miles east of downtown San Antonio.

You could let her know that you are too small to make reasonable accomodation if the stairs become an issue, but probably not worth it.As far as rent to income ratio, this is something you should set before you start taking applications, then stick to your standards. 

Hit me with your best advice, and feel free to ask – there's no such thing as a dumb question when you're starting out!

So I started researching books on investing and lo and behold if I didn’t find Rich Dad Poor Dad.

I am worried not only about escalating costs but also about diminishing profit margins due to delays in obtaining permits.

Hi Dan, Refinancing at a lower LTV will make your monthly expense lower which helps your monthly cashflow but will also help you to secure a lower interest rate so that could be a good starting point for you. 

It is important before you start and get to far that you have an aim point...  

I thought this would be the best way to make my dream come true.Congratulations, Sounds like you are off to a great start as a family!