Thanks for all the feedback, guys.

Hey guys, I'm from Toronto and I was looking into real estate.

Thanks guys! 

So, if the payroll cost is for an Admin/Lease agent, you probably have duplicated costs between staff and PM fees; however, if they have a maintenance guy, landscaper, etc. on their payroll, you can’t assume the costs are duplicate.

My tax guy is spectacular.

hey guys,  I have a question.

Network and hopefully in the future be a guest at the bigger pockets podcast and Inspire others like you guys do it on a daily basis. 

Thanks for the information guys!

Both rented and positive cash flow.Subject Property:  Traditional detached SF property in NJPurchase amt 410k10% down (don't have funds to do 20% unfortunately)While I am confident in my mtge guy, for prudent measure I wanted to check w/ the BP community to confirm the following..Freddie:  'My income is too high' (Can certainly give figures, but not sure how to break it down.. 2017 salary + bonus; Rental income, 2018 salary formally approved and documented, but not effective until July; and 2018 bonus (which I have received already)FNMA:  'To get a second FNMA mtge, I need to put down 20%' (which I would like to do, but cannot come up with an extra 41k)FHA:  'My only option' (with the 1.75% upfront PMI and monthly PMI for life of the loan). 

We'd also, I suppose, have the option of paying a licensed/insured contractor by the job to do it, and just having a few guys to call for maintenance calls, therefore eliminating our payroll entirely as well as our workers comp costs, etc.