The investor’s portfolio I am advising currently looks like this:25 SFRsValue: approximately 1 million All properties owned, no debt Monthly cash flow: approximately 10kWhat are the best options for this particular investor to continue growing this portfolio?

Hello,If I was landlord for 10 years ago but I sold my rentals and I wasnt a landlord for 10 years and if I apply for a loan for my new house and rent my home I currently living in can I use that 75% of the rent income to apply towards the debt to income or would I have to rent for 1 year any suggestions?

Only problem is I have low credit score due to staying out of debt and avoiding borrowed money.

In the long run you want to pay down your debt as this is how you build wealth. 

After all debt service (mortgage and personal loan) on a 75/25 LTV refi I will be left with approx $20k. 

The debt partnership with both of them has worked out very well.

Now that I've paid off my school debt and bought a car, I've been reading like crazy and listening to as many podcasts as I can about real estate investing. 

The Kedzie unit you mentioned would be more of a long term appreciation play since you would likely break even after all expenses + debt service. 

I can lock in my debt rate for 10,12,15 or 35 years on apartments (can't do that on other asset classes).Keep an eye on the spread between the 10yr treasury bond and the general cap rates for say multifamily.

Even if you never buy another property and just slowly pay down your existing debt (or not) the benefits of rental appreciation alone will take care of you.