Those are very healthy numbers!! 

Hi @Masood Amin, when he talks about that, he is referring to bringing on equity partners that will cover the down payment.They bring the money and you bring the deal.It is better if you bring some money to the table so the other partners know that you have skin in the game.As for how to get a loan if you have a down payment, you will want to use a DSCR loan.This is where you get qualified based on the income generated by the property, not your personal income.If you would like a referral to a DSCR lender, feel free to ask.Hope this helps and good luck investing!

We have a healthy 401k, healthy bank accounts, very good credit scores and no personal debt.

Here's how the septic system works: Water used goes out to the septic tank (Kitchen, laundry, toilets, shower, bath, sink), solids remain at the bottom of the tank and then black water goes out to the Drainfield.To keep a healthy drainfield, I recommend servicing the septic tank every 3-5 years, if it's a SFH, and,  1 to 2 years if its multi family. 

I reduced my DTI ratio to below 20%, I have a healthy emergency fund, and I can save about $1,000 a month.

Do you have enough income to cover the mortgage or healthy cash reserves?

Make sure the tenant -buyer(TB) has skin in the game.

Look at the rare book market, art market, etc - all healthy and seeing record prices, but a virtual blip on the economy as a whole because there's only just a few (relative) people who participate.

Lean more on networking than the MLS and have a healthy amount of dry powder

Lots of ways to skin the cat in regards to finding off market deals.