This is my background and knowledge which brings me forward to the current and purpose of my post.

The other banks have said something else ranging from that they'll require 25% down for a fourplex to that they will look at the income the property produces and not my income.Some more background: I have a credit score that ranges from 769-799, I'd have a debt-to-income ratio of about 31% (based on my personal income) which I'm told for FHA is a very safe/good number.

I'm going to use SmartMove for my credit and criminal background checks. 

Technically it'd start at 0 if units are occupied.

A little under 4k a month in NET profit - ALL of which is tax free income as of last year's return.So when you mention pie in the sky numbers, its hard for me not speak up a bit and maybe give you some more background of what really is possible out there.I'm giving people some food for thought based on what I ACTUALLY DO. 

Ultimate Free Beginners GuideWhile it won't all be about Multi family it will give you a background to start with. 

I have been reading BiggerPockets for several years now but recently decided to jump in feet first.I am not a complete novice to Real Estate investing but I have a very long way to go in order to fulfill my dreams of giving my family the long term income and security they deserve.I firmly believe that Real Estate along with a balanced portfolio of retirement accounts is the only way to go.Real Estate has always been a passion of mine, to learn my craft and acquire as many income producing properties as possible.As of recent and what really got me into high gear is that my first baby (girl) was born 8 months ago and I want to provide for her future unlike mine.Now I have this new hunger, direction and priority in life and have decided to commit myself 100%I know this is going to be a long process and am very ambitious and having a newborn is a powerful motivator to learn and create wealth for my wife and baby.A little background on me…I am married and have a 8 month old baby girl.

Also, what sites do you use for background checks?  

So technically it looks like they were evicted.  

It seems that Fresno county doesn't have anyone on staff qualified so my guy is going to try to get the geo-technical engineer who did the soil test to do the inspection.