The property I own has several units and they usually have people in there only on certain days/hours of the week (most are occupied by small ministries).

I agree with the wholesaler's ARV, it's usually a little inflated, and repair costs deflated.

*The tenant provides fraudulent documentation attesting to their need for an emotional support animal (usually a fake emotional support animal letter).

Usually is only 3% of purchase price which can be gifted or claimed as sellers contribution.

There are conventional loans with 5% down as well which when your value increases or 60 months pass the mortgage insurance can be dropped.Student loans even if deferred are part of your debt to income ratio but the income from the rents on 1 or 2 extra units can offset.

When I see this and the assets are leveraged at 70-75%, the raised capital is usually being used as distributions and when the money stops coming in, whomever is left will be holding the bag.2.

With such things, they will usually offer you some time (we had a case once where it took us a while to find a new bank to refinance shortly after the financial crisis in 2008) before actually foreclosing, but they will eventually pull the trigger and begin foreclosure proceedings.

I ultimately chose to invest out of state in Ohio where numbers made sense, properties were cashflow positive from day one and I had some extra walking around money every month once the properties were stabilized.

Well I have favorite, but it is usually for big companies so it will be out of the question.

That is what you call an "Overlay" some banks/lenders have overlays or their underwriters make their own "Assumption" usually called underwriters discretion.