Monthly Rent + Monthly Debt Payments <= GROSS Monthly Income * 45%This accounts for some people who have outsized obligations such as car payments, child support, credit cards, student loans etc.

I know there are some DSCR type of construction loans that don't factor in DTI.

High debt levels relative to equity, combined with looming loan maturities and expiring interest rate caps, have made refinancing a daunting task for many property owners.

A bit on my self I have 3 singles in Dallas Forth-Worth area & 1 single Tampa area I sold 2 flips in Austin, TXIn DFW, I’m doing section 8 , I am getting properties with hard money loan , remodel them, and then re fi them for 30 years , I put around 45-65K for each property I have 4 properties total that cash flowing $300, $500, $1000 (section 8) , $250 per month after all taxes, expenses , insurances , mortgages .. 

If you have a loan, you may wish to look into due-on-transfer clauses.

I guess I'll start by sharing a bit of myself and how I got here.A few years ago, I saw a listing for a 4 plex in a nice part of a city in the CA Bay Area and thought, that would be so great if I could live there and collect rent to help pay off the mortgage (it was even listed for a reasonable price, though I'm sure there was a bidding war for the final sales price).

I finally have my first deal, a duplex, under rehab!

That is the standard list of documents required by all banks if you are using a traditional loan. 

Find an agent that can help you find properties that you're looking for, they should introduce you to a lender that can get you pre-approved for a loan, if you can/learn to manage the property or get introduced to property managers, always ask about different contractors that you can use for different things like electric, plumbing, HVAC, kitchen/bathroom remodels.

After completing the online coursework, you'll need to take two tests before proceeding to the national and state tests, which mark the final phase of the journey.