A legit one will include you Actually submitting tax returns, W-2’s, bank statements, etc. in addition to a credit report.Oh, and get one for the max you are approved for, regardless of how much you plan on borrowing, it shows you are a stronger candidate to buy.

@Rich O'Neill & @Jordan S. -- Thanks so much for your prompt responses and useful insights..

So, w hat you're really asking is this:1 - Is it better to pay for the entire cost of the property by yourself, or let the tenant(s) pay for the vast majority of the cost for you?

I would like to invest in Ohio, for instance but need a portfolio lender given the size of the loan(s) (under $40k).  

meaning from MF into a combination of smaller MF(s)+Condo(s)?

@Adrien S. makes a great point.

Or do you think someone with a full time job is going to manage 100's of units?

I called around to 10+ lenders in S.

@Thomas S.: It seems like a good option however I don't have experience in buying properties out of state ( I am ruling this out for now).

I mean 9-5's are great, but I'm realizing I'm not a 9-5 person; I'd rather be a 24/7 person if that means my family and their future is more financially secured.