With that said, HSA is a no-brainer if you’re on a high deductible plan (and even better if your company provides some employer funds).  

I am certain we have less properties than about 80% of the folks on BP, as we both have full time employment in a field not related to real estate.   

Well, the easy rout would be to start calling ads on Crags list and before paying to fill out an application just be upfront with the owner and ask him/her if you can rent there.There are people who will rent to you, but most will run a background check on you.Some will want first, last and a security, some only first and security.If you are under-employed and have a co-signer, its not a lot different than a college rental.I'd say just start calling ads in Craig's list on after another and if someone say OK, and offers to let you apply for a fee (to run a personal background check) then make it happen.https://www.youtube.com/watch?

Many investors in the club successfully employ the BRRRR.  

@Karl McGarvey you spoke about pensions, so I assume both you and your wife have full time jobs for an employer.

Basically I don't fit neatly into a traditional income and employment box.

Originally posted by @Brandon Kessler:@Jaysen Medhurst @Jeff Copeland I heard the rule was you have to live in it for a minimum of 60 days, however im still looking into itI believe the rule is generally you must move into it within 60 days (this gives the buyer a reasonable amount of time to terminate leases, coordinate the move, etc), and then live in it for a year.The only exception would be a change in employment or other extenuating circumstances such as deployment or transfer.

I honestly don’t think they’ll pay, they are also self employed with a tree business so can they even garnish their wages?

Apps have been filled out, employment and income verified, past LL checks, FB page viewed.

Most of the new homes I'm seeing are two-story, 3 and four bedroom, 2 to 3 bath with usually one half-bath on the main floor, full basements, 2 car attached garages.The market for more modest homes seems a bit slow due to the on-going employment and lending issues in the area.Rentals seem to not be empty very long at all, certainly, presumably for similar reasons: employment is soft and lending is a bit dear.Hoping you'll share your experiences.