We will provide comfortable homes for renters at a reasonable cost.

The market is efficient so where illegal immigrants are will causing housing prices to go up which will cause the efficient movement of people to less expensive housing which will cause that housing to go up which will then push people out again. 

But you may be right that it's a little too sloppy and could be cleaned up a little for ease of reading. 

Is there a specific reason for 75% as your recommended level?

Based on what I have read and watched, it does not seem like you can quit your day job with 1 property, as most of your capital is tied up in it.

If it helps, 800 credit score and theoretically could build for cash...but cash is earning more and doesnt want to tie up the liquidity.

Neither of these diagrams represent the way our business is set up, nor how most of my colleagues have them set up. 

But read up on fair housing laws, (don’t say no kids allowed) or something like that.

The income from the property pays off the debt, while you get the tax deductions, equity build up and appreciation.As to why people pay cash, many don't know, like or understand other alternative investments. 

This average goes up to 2.5 months for homes priced between $325K-$375K.Find the sweet spot in your market(s) and get to work!!!