Like most things in life, a balance needs to be struck that isn't too far in either direction. 

I've applied for a conventional loan: 3 units, owner occupied, NJ, 5% down.I have enough W2 income to cover the loan and additionally, there are two units rented already. 

The 78% rule applied to conventional mortgages. 

We use Rentec Direct.

Depending on the owner's situation and using a variety of negotiating tactics, my business partner and I have been able to get significant discounts while buying properties from those owners directly. 

I found one that was recommended by my estate planning attorney and he's fantastic, local, and didn't charge me to ask him questions for an hour plus.He listened to me, my game plan and I am even opening his eyes about how self directed IRA's work.Some people can and will pay a consultation fee, I'm not willing to and found a diamond by networking.Best of luck to you.

There's a question at the bottom: "What information must I provide in order to obtain my most recent I-94, travel history, or compliance check, or to apply for a provisional I-94?"

Tenant “Y” has a 590, 3.2X rent, but just started a new job a week before applying and I did not feel comfortable renting to them for that reason.   

Forget the surround, what is a dehumidifier doing operating on top of the toilet:) Then they stuffed some tiny cabinet and tiled on top of it and put it directly in front of the already small space in front of the toilet?

It is not complicated to do but it takes a long time, you need to sand 3 times with different grits then need to be on your hands and knees applying stain.