The Seller carry will need to make up the difference between the buyers capital downpayment and the lenders required downpayment e.g. 20, 30, 40%, etc.

@Neil Schoepp I assume the blog was hinting at the idea that someone who does not have their own finances in order cannot invest, effectively.If you a uncertain about your own financial habits (carry credit card debt, other loans, bad spending habits), then I would recommend getting those sorted out, in order to make sure that any money you make in real estate isn't just falling into the abyss.

But I don't want to carry two policies, or is that the only way? 

Sub-prime lending carries a higher interest rate due to risks assumed being greater than that with conventional borrowers, "interest is a function of risk" and legally justified.Commercial lending or we might say non-consumer lending, carries less justifications of what might be charged since the borrowers are assumed to be in business for a profit.

Carrying a high balance on your credit cards will definitely hurt your credit slightly.I suggest paying them off if you can. 

A PM can manage tenants strictly as a business without the emotional baggage owners carry. 9 times in 10 that by itself is a huge money saver.

Very boring, but the author carries a big stick. 

Will carry a note...in fact, won't sell it without carrying a note. 

What I'm afraid of is having to carry the property until I have a clientele or return customer base.

Too much is on the Personal side, Schedule A and creates the DTI ratio - - yes by all means manage that.The income property on Schedule E is a wash (debt is covered by receipts), carries net income back to the 1040, but does not contribute to the DTI - -So use as much OPM as you can get to preserve cash.