So far, I believe a combination of fix and flips and buy/holds are looking most appealing to me for the long term.

If so, should I wait until she's working so that we have a higher combined income and can get approved for a higher amount?

So as long as the structure of the second allows for that, when combined with the terms for our 1st, we're good.

There are a handful of such lenders that do these types of loans, including:First Western Federal Savings BankNorth American Savings Bank(I'd include links but BP complains when you do that)You cannot combine personal funds with your 401k to make a purchase.

Highest percentage is 7%,  my loan is actually 6 or 7 smaller sized loans combined.

I will take that and combine it with what I will be paying month to month with principal and interest to get a baseline.

Water/sewer are combined and are tough to get set up in a tenant's name, so they're usually just billed at a flat rate, or included in rent, but I have heard of companies making tenants get the accounts set up.

I understand we can buy a fourplex and even surpass four units by combining our loans but varies on the lender.

If it is already three lots someone likely combined it to have one tax ID.

We don't allow combined income for non family members.