I just wanted to give a few quick words of encouragement.

Most people (I suspect) here will encourage you to leverage more than you're suggesting.  

However, from what I took from Brandon Turner (Bigger Pockets) for newbies, he encouraged that there’s ways around this as a beginner.

I am a new investor to real estate and the reason it captured my interest is because my mom encouraged me to venture into it.

I highly encourage house hacking for a lot of the beginners. 

Hi BP, I'm thinking of adding a detail to my standard NC lease that would encourage tenants to pay early.

Most these days don't want to see an LTV over 80% total for all loans.My encouragement to you would be to start out learning about how to buy real estate profitably without actually buying any, and meanwhile be saving up for that first deal. 

My apartment complex didn't change any rules either, they still required rent and encouraged student loans if they could't afford rent.

But they can be harder to gain that initial trust.You're on the right path and I think that once you really delve into the realm of loans, once you get out and start talking to loan officers at various lending institutions, you'll quickly get a grasp on the verna...EXCELLENT Response thank you so much for your encouragement and graceful words.

It cultivates a relationship with our clients that encourages them to pay and take pride in their dwellings because they can tangibly see that we are looking out for them during these hard times.