I'll be shocked if you can actually get much cash flow out of them (unless you are putting 50%+ down payment) once you factor in the taxes and high HOA fees but sounds like this is more of a lifestyle choice.

@Juan V Lopez  Yes, start with asking the seller because that's the deciding factor. 

@Jay Hinrichs in Dayton I am paying 15 to 30 K per door depending on a variety of factors such as rent rolls vacancies leases etc

When you factor in that @Brandon Acevedo is having a "family member is getting the hard money loan for me.

2. 5% Vacancy Factor - There's no way to confirm this right?

@Chris Ailes I believe lenders will only factor in 75% of the rental income towards the actual payments.

Cash flow is important, but not the only factor (ie cheap homes are not for everyone). 

I'm aware of the several factors that make an application more likely to be approved by A/B lenders. 

If you can't verify someone's identity, credit worthiness, or other risk factors, then that's a legitimate reason to deny their application.2.

Rely on the data as a tool for “no.”I am developing a data-driven analysis to weight as many factors when reviewing a deal as possible, measuring everything from demographics and area vacancy to parking and signage.