I don't really need basic lessons in screening tenants, just looking for perhaps a perspective I haven't thought of.I have multiple applicants for 2 apartments, 8 applicants altogether, and 5 of them have credit scores 700-749, 1 of them has credit score 750-799.One of the applicants with a credit score of 700-749 was the first applicant.She has excellent job references and qualifies income-wise for the apartment but barely.She will be going from $200/mo with a roommate, to $675 for a small 1BR apt, so it's a big jump.She has no pets and seems very nice, is respectful and quiet.She is a naturalized US citizen.She works two jobs to pay her way and was going to school for accounting.

If possible I would like to source a block of land which has an existing dwelling that could provide an income stream I have studied council bylaws to learn about zoning and sub-division requirements in each respective zoning category, become familiar with the local council resources including looking interactive maps that show precedence for re-zoning approvals.

I have a solid job I'm respected at and make about $75,000 a year working six days a week.

Steve has a point, much can be reduced, but let's not confuse "relationship banking" with a good banking relationship, that doesn't add value for the bank in that respect.

Dash, with respect to cash-out refinance, it's quite popular with buy-and-hold properties, but not so much with flipping.

I also want respectable roommates who are easy to live with.What would you "cave" on if renting out rooms in your own house?

But Texas in general is a more "slow and steady" atmosphere in respect to property value increases.

I respect your knowledge.

In some respects I feel like I'm tripping over myself, meaning that the "problems" I'm facing are not real problems at all, just a lack of insight into exactly what my possibilities are.

Being able to buy with enough equity spread to sell the property at or slightly below market value and still make a respectable profit even if I have to discount it a little to move it.