The kids are good kids but they are hyper due to their young age.  

In May 2016 those tenants bought a house and moved out (with a month remaining on lease that they paid) and we rented it the same month for $1900 (incl pet rent), again to a stable, middle aged couple.

What do you expect your maintenance rate to do as your portfolio ages and capex items need repair or replacement?

I wouldn't worry about your age at all.

Some retirement accounts aren't accessible until you quit your job or hit a certain age and they typically won't accept those kind of reserves.  

The vast majority of soldiers are not at an age to be home buyers.

I break it down like this (5% - $22.50 Vacancy5% - $22.50 Credit Losses (Uncollected rent and skips)10% - $45.00 Property Management5% - $22.50 Maintenance/Repair10% - $45.00 CapEx (Depends on age of property)5% - $22.50 Tax and insurance10% - $45.00 Utilities, Landscaping, HOA fees, etc.5% - 22.50 Misc (Pest Control, Legal, Accounting, Leasing)Total = $247.50Common Expenses to look for (What you provided):Vacancy ($22.50)Property Taxes ($30.83)Insurance ($25.00)Maint.

That means they’ll have absolutely no impact on your FICO scores.When the mortgage inquiries age past 30 days they become fair game and will be seen by the FICO scoring system.

Granted, you will have naysayers who will joke at you for being a young guy (trust me), your enthusiasm at a young age will bring people to want to invest in your future.

Due to my age and lack of a 30% down payment, bank loans are a no.Along with my financing question, could someone give me the simplified steps of the development process for a multi-unit building all the way from conceptual design to groundbreaking?