THEN, I plan to purchase the second home using a FHA or conventional loan (3%-5% down), for which I will likely pay the monthly cost out-of-pocket, maybe with some rental income support if it is a duplex.My concern is, I do not want to spend my savings or weigh down my debt-to-income ratio so much so that I cannot qualify for and pay the down payment and closing for the lending on the second home.Questions: - With the first home being multi-family, 75% of the rental income (or potential rental income initially) will relatively either maintain or boost my debt-to-income ratio from lenders' perspectives, right? 

Look into a DSCR, Debt Service Coverage Ratio, loan where the rental income can be used to qualify the cash out refinance instead of your personal income.To Your Success! 

He is encouraging his tribe to send him leads so he can do more of these.

If a form submission is not indicative of lead generation, and a ton of organic leads to my inbox is not an indication how effective lead generation is what is?!

Trustin your PM partner is important and they will follow your lead, so don't expect them to provide you with your business plan. 

Lenders usually determine whether properties are lendable based on the debt service coverage ratio. 

Every day I mark how many calls to leads I made, how many people I contacted (and was it email, call, text) from my database/past clients....how many social media posts I answered or made, etc.I don't know if that's automating, but every week I can quickly see how much of each money generating thing I did.Do you use Google Calendar? 

I am just a beginner wholesaler so I haven't done much marketing/lead management yet.

You've done a great job with keeping your debt low so I have no concerns about your level of discipline to use/reuse a line of credit.All the best!

So I carry effectively 0 debt.