@Nate Hayes, try googling a unique sentence from the lease to see if the lawyer pulled it from an online source.

As a new investor, I would figure out what my niche is and focus on that. 

OOS is my niche.

I’m back and forth on just niching down.

Make sure to run this by your attorney.As for the business your niche is a good one and should continue to do well.

We have a unique country that allows such easy debt for real estate compared to other countries. 

Lenders, with all of their resources, are constantly trying to adjust to market moves and tighten credit, loosen lending guidelines, or invent new loan programs to serve a new market.Sellers are in a unique situation because the main asset in the transaction belongs to them.

For a basic application, I'd recommend at the very least three years of employment and rental history, two emergency contacts to have on file, two-to-three personal references, and disclosure of any pets or unique circumstances.

I've picked up numerous books over the years, downloaded tons of hours of podcasts and am a sponge for advice/knowledge of those who have already done it and the path i should be taking.Right now, i'm just adding to the downpayment fund while learning all i can about the pre-deal stages, and am having trouble determining my niche (living in multi-family and renting out the other units, buying studio-1/2 bedrooms and renting out entirely, etc) in addition to avenues of funding (smaller downpayment w/ insurance, 20% down off the bat).

We are mostly doing flips and new construction but have found quite a niche in converting duplexes into two separate townhomes.  Indianapolis truly is a great market and it’s becoming more and more competitive by the day.