All income must be from a verifiable source.

On Residential Conventional there are advantages that you should know of, which are:- takes into account your other personal income sources to qualify and why this is so huge is that the property doesnt need to necessarily cashflow in a way that a commercial DCR model would require. - your max loan sizing can up to 70-75% of your appraisal on investment cashout and is NOT limited by cashflow however the cashflow you do file or can document with your lease agreements or taxes will help offset and help you qualify for the cashout as well- cash out is 6 months title seasoning through your name personally or through entities you controlled a majority stake in (51% or over)The down side on residential conventional financing is that you can only finance the properties in your personal name at closing or your living trust. 

Cast a wider net and use multiple sources, just to be sure.Utilites at times depend on the area, especially water. 

Having the source Data is clutch and it was super cool of you to share it. 

Of course it is one of many strategies for deal sourcing, but one that shouldn't be ignored. 

I've always heard of the gurus, but figured in this day in age with information being free flowing from so many sources, I feel everything can be learned in due time threw the experiances of others.

My Criteria: Strategy: BRRRRInvestment Source : Cash Mostly ( If not HML)Property Type: 2-4 Unit Multi FamiliesPrice Range: Under 400KZip Codes : Please suggest zip codes that aren't rought.

As long as they have a w2, the lender will use that as the income source when underwriting.

HELOCs can be a great source of funds.

Getting a few quotes, or a quote from a trusted source is the best way to verify that you aren't getting gouged.