They don't count against your personal credit and go unreported for your debt to income ratios. 

Hello everybody my name is Simon and I'm a beginner in real estate investing and looking to invest in my first residential property unsure of what strategy is best for me and my situation or where to start my primary focus is cash flow although equity is nice too I'm currently reading the book on investing in real estate with no and low money down to get ideas on which path to cross aswell as to develop an efficient plan of action what do you guys think?

I’ve read the Kitces post and the IRS regs too many times to count! 

I've reached a point where I'm not finding the information I need, and usually this involves cross-referencing topics.

There are all sorts of precautions you'll want to educate yourself on before borrowing.A very general good rule of thumb: don't use other peoples' money to try to do something you haven't already done yourself many times before, and don't use other peoples' money on speculative activities.If you're planning to borrow money from a private party, AND also getting financing from a bank (for instance, borrowing money from a family member to pay the downpayment on a new mortgage), you'll need to talk with an experienced mortgage broker about it beforehand--because if you borrow money from a family member, the bank will usually count that debt against your DTI, which affects how much mortgage you can get.Good luck out there!

They generally will not count the income from the room rentals.Conceptually your goal makes sense.

I dont count before that because the site went live in June and it takes probably 3 to 4 months to gain some traction and get high enough into the search rankings to see results.

People who grew up with the 1-3 job average in the same area could count on real estate compounding for them.

I don't pay for electricity for any units other than the one that I live in ($35-$65 per month) but that is something that I would pay anywhere I lived so it shouldn't be counted against the performance of the building.

I have not ever seen any of his deals so have no frame of reference by which to judge so please know that all of my commentary and opinion is a generalization for the average deal I see cross my desk.