Do you offer 80% LTV on the full appraised value or is it limited to purchase price + repairs completed? 

Unless you're monitoring these regulations full-time, it's easy to make costly mistakes.

Leverage and invest at 40x $100 000 properties ($20k down + $5k closing cost, 30 yeas fix rate loan) with a return of 10% where you have better asset protection (my keeping lower equity and higher bank position), you are hedge against inflation (agree with me, in 30 years $1 000 000 purchasing power will be less compare than $1 000 000 today) Here is how looks mathematically:1. 10% on $1 000 000 (10x $100 000) = $100 000 / annually - No interest tax deduction- No loan paydown benefit2. 10% on 1 000 000 (40x $100 000) = $400 000 / annually - debt service + full tax benefits+ loan pay down+ hedge against inflation for 30 years+ better asset protection (by maintaining lower equity  position)   + (not guaranteed of course) if appreciation happens, it happens on the all full asset amount, example:If appreciate 10%:In case "1" you will have 10% on $1 000 000 = $1 100 000In case "2" you will have 10% on all 40x properties (40x $100 000 = 4 000 000) = $1 400 000As far as cash flow, as long you buy "right" CAP 8% and higher you will have stronger cash flow on leveraged asset + all additional benefits.

If you are analyzing 100 deals, use that to take those numbers down to 25-30 days that could really be deals then go deeper with GCs to get you full details on what you would be paying on rehab and good comps.

For context I am a full time lender and understand DTI and have very good credit. 

Focus on the same target areas and neighborhoods you do your other prospecting and lead generation activities in.Wish people happy birthday every yearYou can do this by mailing them a card or by doing it on Twitter, Facebook or Instagram.Related: How to grow your business using Bigger Pockets.Carry a pocket full of business cards at all timesNever leave home without a pocket full of business cards.

I am so full of regret for even giving them a 3rd and 4th chance.

If the market is tough, I reduce the rent rate over the full 12-month term.

Most likely this could creep up to 5 years for the full lifecycle. 

We have some $ saved  but don’t have enough to put a full 20% deposit down as needed by most conventional lenders.