Some can be reasoned with others not so much.After my extensive study of the Bill Gatten system.

I study this site and other materials.

Study it.

Get busy reading these forums and the articles here on BiggerPockets, hit the library and bookstores, and study!

You certainly should do the study and research BEFORE you buy anything.

I would study the basics of the business until you understand the realities, especially the expenses.

I study these LTV ratios and look at repair costs, realtor costs, closing costs, and carrying costs.

There's plenty of millionaire right here, that know their stuff.Also what I'd suggest is you absolutely must turn your drive time into study time.

Study, study, and study until you understand the basics of the business.

You can ask you lender to give you a mortgage history statement and the bank may except that...it is strange that you lender is asking to prove all 12 months if you credit report show no lates for those mortgage.