UUUGGGH, I was JUST about to fill in the application, as I was counting on this for a down payment on a great 2 family property we just made an offer on. 

Never count simply on mortggae pay down as a plus, it can vanisk in a heart beat with a turn in th emarkets.

You get to immediately count the rents coming from the other units which helps you qualify for such a large purchase price.If you need a referral in your area, let me know, I have people near you that can get this done for you.   

.- my only recurring debt at this point, not counting my mortgage, is my car, @ 614 per month.

Our suburbs have some of the fastest-rising rents in the country, and you can count on raising rents every year to improve your cash flow significantly. 

I would continue doing YouTube but I wouldn't count on it for the long term.Limited time = Syndication, not running your own portfolio of rentalsSounds like you enjoy multitasking but are not particularly in to details (clogged toilets, broken water heaters, tenant issues).

TDbank initially said no problem they will count 75% of it as income.

We have to fix the wild out of control form of math first , then move forward to then control the rest of it.For example: commercial retail taxes needs to be taxed per foot-per proximity to corners and/or car counts, amount of parking, etc.

Only take classes that count towards your degree.

They are counting on the fact that out of town investors have little recourse, however, the growing number of investors who have been scammed are banding together and will seek legal recourse.