If you do not qualify for traditional lenders due to factors such as debt-to-income (DTI), too many loans outstanding, or poor credit, you can also look into online private lenders.

I spoke with a mortgage officer who told me I'd need about $30k in total to cover all closing costs and have 3 months of reserves to get a 3-family.

All have tenants with a total of $2635 per month income, this will go down with resumed tax and insurance payments.

at least in OR CA WA Notice of default can go to legal notices here, I meant publication of legal notices, it's on line, as well as who died yesterday, who filed for bankruptcy, etc.

She was running two properties that were on either side of ours, totaling 72 units. 

I've read that the 2+1 rule is unwritten law, but it seems like that's not a hard law anywhere.I have a 3 bedroom 1 bathroom property and had an applicant that wants to move in with 6 adults total and two children.

One is online 24x7 like BP and youtube videos and another essential facet is belonging to a few local REIAs at the same time.  

The rest are totally custom and control literally anything.

So what one bank might do, another might do something totally different.My guess is that any drop in value would have to be fairly significant for a lender to reduce your credit limit, but I have yet to see a lender actually put a number on it. 

In most of these programs the rate is .31-.89c/100 of Total insured valued.