And thank you in advance for any replys :)I am new to all this, and I just started using foreclosure.com to find homes in pre-foreclosure and send letters.

Thanks  Laura for your reply. 

Robert T was correct, if 4k is an issue then it wasnt a deal to start out with.

So...back from the dead;) Thanks to those that replied.

The reason I mention the 'high income' in particular is simply because right now, I seem to be a pretty solid bet for most lenders whereas I'm not sure if my net-worth in stock will be sufficient to get a good mortgage rate since my 'income-to-debt' ratio will be dramatically different.I don't intend to try taking on a bad deal in the short-term just because of the whole mortgage-lendability-risk issue, but I'm trying to figure out how much of an issue it really even is in the first place and how much I should take it into consideration.If I don't have an active income, presumably (and please, correct me if I'm wrong here) I'd still have some potential to get mortgages, but they'd be at a higher rate (e.g. maybe a couple percentage points higher)?

Markets correct themselves.

Can I level it out (with correct slope)  and then just tile above it?

Thanks for all the replies you guys!

You are correct @Matthew Kadash is on biggerpockets. 

@John-David Herlihy it is 15 units.Thanks everyone for the replies!