I'm relatively new to real estate so I'm hoping you can offer some useful insight.Applicant 1: Excellent credit, low debt-to-income ratio, upper-middle-class income, very little available cash in bank account (cash is mostly in stock and retirement accounts)Applicant 2: Mediocre credit, better-than-average debt-to-income ratio, middle-class income, enough cash available to almost buy home outright.

They are affordable, with a deep staff, two locations, great customer service and an attention to detail.

I have my taxes/insurance figured into my Net Operating Income, so I should exclude taxes/insurance from my Debt Service costs, correct?  

I am new to the Real estate investing world, and have recently joined a service that sends me deals that have been analyzed for a fix and flip investment.

The exact application can get complicated and there are many exceptions (e.g. restrictive covenants in employment contexts have special rules).

I'm trying to understand because I also see that there are people who have invested into the property as "applicants" who must be the tax certificate owners who have invested into the deed, and if no one beats their price they automatically get title to the property?

Long story short I want to make sure people know I take pride in being a landlord and want to provide the neighborhood and my tenets a quality service.

Driving for dollars... drive around the neighborhood and look for homes that are vacant and use skip tracing services to locate the owner.

@Adrienne MedinaYou may want to look into transferring the IRA to IRA Services Trust Company as they charge flat fees not a percentage.

Dry the sink and put the stopper in place.To combat the population, there are a few websites that sell sprays with a targeted sprayer, like we see on a WD40 can, and other applications that work as birthcontrol to the invaders.