I love electronic devices, but I have found that they are not the best things to use in order for me to remember something.

Yes, It has been reported that Fannie Mae and Freddie Mac are going to change DTI requirements to 50% instead of 45% 

best of luck my neighboring investor(envestor), you have to be creative in this industry, i like to think of it as envesting in yourself first, knowledge can be powerful like vinay states, but without action it is useless, get as much as you can gain from this platform there are great educational devices and tools the BP nation has allowed us fellow envestors to spread there brand.............LOL i meant brain, definitely try to locate an mentor or coach who has some experience in this industry, after that i would recommend locating a couple of good realtors in your area they can be very useful, get a line of credit if possible and use credit cards or private funding to access the capital you need to purchase the property, finally make sure you hone into the niche that you want to market, we like the Multi-family 1-4unit projects, but by no means are we not flexible enough to execute an flip/rehab or wholesale if the opportunity presented itself, keep posting but most of all keep sharing hope you move from bigger pockets to a "fatter wallet!"

I have spent years estimating homes for Freddie Mac, Fannie Mae, Wells Fargo and many other banks and investors however, these customers are stable and consistent.

Yes, Fannie Mae and Freddie Mac has reserve requirements to get a loan.

But often to Fannie Mae, Freddie Mac, or to big investment companies.

I have seen a few properties but I have not contact any agents yet.I have even call Freddy Mac and they are sending me a list of properties for sale 30 miles from my area.

I work in Fort Mac and it will be a long recovery.  

A portfolio lender can be either a bank or credit union, but have a distinct advantage for investors: they do not always sell their loans to Fannie Mae or Freddie Mac.

Add the money from your savings and find another investor to guide you and throw in some cash too to add 25% of a sale price and get a loan from freddie mac or fannie mae.