It would supplement my income, cover gap funding & put our business on the map.

Willing to supplement a lack of real estate experience with hard work and and eagerness to excel. 

The generic, cookie cutter ratios are good starting points to see if it makes sense to even check it out.

It is supplemented with Umbrela insurance.

My ultimate goal is to build a strong portfolio that will produce enough positive cash flow to supplement my current income in the short term and eventually enable me to quit my 9-5 and focus on investment full time. 

If you're one-and-done you are leaving most of the meat on the table because these folks are, by definition, vulnerable and scared.You can supplement your marketing with mailings and phone calls, but nothing beats good old fashion door knocking where you can see the house, talk to the neighbors, get a sense of the borrower's grasp of the situation, etc.Remember that a lot of these people have creditors bugging them all the time.  

The closer to Boston, the more you will have to supplement the mortgage out of your W2 income.

Too many new investors show up with a fancy title, expensive business cards and a generic website and have no idea what they are doing...what a waste!

I am re-starting up my side gig of private swim lessons to add supplemental income.

Generally, passive investors receive a return of capital upon a supplemental loan, a refinance, or a sale.