But really depends on your goals here.

just use common sense.ALL lender in US is following the same logic when they offer you a loan :) that's a basic principle.What I tell you is how the scammer works.

Hello, my goal is to convert my primary SFH to a rental. 

John,As with most things, it depends on your goals. 

i have no idea - I don't know anything about you.can you share any additional information about your goals, how many properties you own, etc.? 

My main goal here is cash flowing.

However, just like the rest of REI that is going to depend largely on the are you are looking to purchase in.But if you do the numbers right, in most areas, it's absolutely a realistic goal to find a property cheap enough to have the supplemental rental income cover most, if not all, your mortgage costs.Hope that's helpful!

My ultimate goal is to invest in multi-family properties, but I've encountered difficulties in raising capital.

But chat them up outside, while you are in their unit doing physical inspection, in the common areas.

The right investment depends on goals.