On this next deal, my plan is to leverage my other investments, and if they tell me I need 20-25%, I am just going to go elsewhere and test the waters with a different lender.

Vet some property management teams also - you may be able to find a connection to add to that team to ensure timelines are being met - even adding a REI realtor to ensure you're crunching the numbers and getting the best deals with the most accurate ARVs will be crucial too.

Just make sure to accurately estimate your expenses and potential profit and equity. 

Just had one close wherein he departed a 4/2 for a 2/1 after breaking up with his fiance whom he had previously intended to make babies with.It's a matter of a) it being true and accurate (since the underwriter could ask you to document your claims in some way) and b) quality packaging and presentation on the loan originator's part. 

After I passed my test I signed on with an investment minded company that specialized in multi-family properties and owned a property management company.

Maybe the cabin gods are testing my mettle in the early going? 

Knowing the 2% test, and what the 1% and 50% rules are definitely help me to quickly evaluate possible deals.

To add another $38,200 (for the additional 5%) just isn't feasible for us right now - as much as I would like to do that.Detailed Operating Expenses Property Taxes: $1,493/year (I called and spoke with the tax assessor since I didn't believe the Northampton public portal was accurate.

Sean  With the information shared its hard to give you an accurate opinion.

The reason was because I haven't been with my current career for 2+ years and they couldn't accurately tell what I make, even though I explained that I am just out of school.