Long story short I have met a landlord who has multiple 3 families and single-family homes in the south shore area.

If you want to replace your W-2, you may want to also consider adding value so you can recycle the same cash on multiple properties and it will accelerate your pace. 

I am just rambling here to add perspective to different ways to think about economics and real estate.

This will give you a better perspective and allow you to run your own CMA so that you can get accurate ARV.

Banks can impose stricter overlays, so shop it around to multiple lenders, if need be.. 

I'm also interested in residential but would like to consider the higher end New Units / Multiple duplexes being built in the Wichita Area and to see where those go as well.

Lisa - Lakewood is by far the hottest market in the Greater Cleveland region, last week I sold a western Lakewood duplex in multiple offers in a matter of days.

They systematize there lending and if you don't fit the mold, you may get bad info.  3) shop around to get multiple opinions and options, 4) be aggressively engaged and don't accept the first second or third answers you're given and always always do your own research to fact check (google and BP can answer anything).   

To put things into perspective, what are the deal sizes you are having these issues...?

I also appreciate people's perspectives.