does this include all the expenses, capex, maint costs etc? 

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

Additionally, Millennials rely heavily on online platforms and mobile apps for property search, virtual tours, mortgage applications, and transaction management, reshaping the way real estate transactions are conducted.Delaying Homeownership and Embracing Renting: Despite their strong desire for homeownership, many Millennials face financial challenges, including student loan debt, stagnant wages, and high housing costs.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

Though pricing is extremely important, in that every extra dollar spent on cabinets, is one less dollar in the pocket of the investor or contractor, what is the breakdown of the three above qualities that investors are looking for?

So, I thought I should sell, take the profits and put into high interest account, rent a room for myself for about $1100 per month with all utilities included and that way I can save additional funds for a year.

@Yona GanzThe Orlando real estate market offers a diverse range of sub-markets for small multi-family properties, including downtown Orlando, Winter Park, College Park, Lake Eola Heights, and Altamonte Springs.

I honestly should have more money saved up considering my years of working full-time, however younger financial mistakes have been a painful lesson and I regret not purchasing a property sooner/younger.My most important and immediate goal right now is to purchase a property.I am in (what I perceive to be) a relatively high cost real estate area. 

Let me know if I can help in the Memphis TN area to also include North Mississippi.

I know that, overwhelmingly, it's what you fill your head with that counts, it's the day-to-day actions you take, it's the spouse you marry, it's the systematic choices you make, and perhaps most importantly, the personal hypocrisy you don't allow yourself to get away with.