Some people are successful by changing banks and keeping small amounts in several accounts, so the collector can’t drain everything.

They may be able to finance you at a low down payment if you have experience, reserves, and FICO as long as the 65% of the value can support the entire purchase price  I wasn't saying 0 down, but the concept of full return of capital. 15% land purchase cash. in columbus land is let's say 50k we build a triplex for 350k which is very close to 15%. small entitlements, reserves required, etc whatever lender asks for. multifamily sells for 200k per door in our market over 4 units, we are pushing the values up. first ones we are working on because of rezoning, etc but it's a full refinance on 6 month seasoning and do it again. that's the scenario that I was outlining. we do it in the urban core of Columbus where new construction trades at $325 a square foot or more for higher rents and higher equity. we could still put more units per parcel in columbus. these are all infill I hate Lehigh acres. overbuilt, no infrastructure, no commercial drivers or asset.

Even if I found one, the cash on cash return is very small.

Why do you think purchase contracts are so long and have such small print?

You're heading in the right direction. 

It can be for one home or any home that they show you, but you will have to sign one regardless of who is helping you, even if you skip the buyers agent and go directly to the listing agent.The purpose of this is transparency.

I look for 1. responsiveness 2. knowledge in industry 3. ratesNumber 2 "knowledge in industry" directly affects your cost. 

Your experience flipping houses and your interest in rental properties are impressive.You're heading in the right direction, and we're excited to help you reach your first deal and beyond!

While shopping for a small multi-family building (3 or 4 units), I would like to get an inspection of the building to get an estimate of repair costs if any problems are found (foundation, roof, electrical, plumbing, heating). 

I was talking to my local loan officer the other day who said they are making zero loans on small rental properties right now because the numbers don't work on any of them.