If you folks shared some of your fails (we all have them) it would help balance the view.

I'm a newbie but I was looking at multi family's around my area and wondering if there's anything special the banks can do if your purchasing a property that is already cash flowing with tenants?

Today everything seems good - sellers agent contacted my bank to ensure profile/pre-approval.

I will be reaching out to banks soon enough but wanted to see what you all thought of my situation and how likely it is they would lend to me. 

I doubt most banks would allow the IRA to be your 10% liquid.

hi,relatively new to the game. i have a property with good potential in an area i think will appreciate well. in my current situation, i am not strapped for cash and can save 7-8k month for real estate purposes alone with my current job. this will be by first SFR and goal is to have at least 12% COCROI and have a minimum of $150+ using the 50% rule. im more or less in it for the long term game and want to retire with a rental portfolio that can supplement my income within the next 10 years. here are the two scenarios for the following property:property: $65krehab costs: $10kclosing costs: $3,200wholesaler costs: $2,500i plan to put 20% down on a 30 year fixed loan at around 4.8%Scenario 1:I cover out of pocket for rehab and wholesaler costs as well as downpayment + closing costsProperty: $65kRehab: $10kWholesaler costs: $2,500k Downpayment: $13,000kClosing costs: $3,200Total cash needed: $28, 710COCROI: 12%Monthly cash flow: $28850% rule: $313Scenario 2:I finance the rehab and wholesaler costs through my bank.

Our bank said they would do it and it all sounds good to me, but I have never collected rent like this before. 

Factor in carrying costs, then throw in some contingency, then a just in case fund, and pretty soon you'll convince yourself the bank couldn't give you the property for free!

You will fail.  

Seems like you are debating whether you want to bank on cash flow or appreciation..Some people are willing to settle for negative cash flow to purchase another property and pray to god they appreciate in value..