You will probably get people saying that's a bad idea but I've read of cases where it worked out.But definitely see what you would get approved for and go from there .

Reading from your initial post, are you house hacking this?

It's wonderful to read other success stories and goals.

I'm currently reading a couple commercial real estate books (one of which is a textbook) where the author speaks of some of their own experiences (for example, incorrectly verifying all owners of a MF he was trying to purchase thus being unable to sue for breach of contract when they backed out).  

I keep hearing or reading that one of the criteria for renters is that they have income 3x the rent or more.Is this gross income or net income?

I've spend the better part of this year reading numerous real estate investing books and listening to 200+ BP podcasts.

Who has read both and which would you recommend?

Sometimes it's hard to read the statement with all the lines on there.

Allstate (my company) read through the bylaws of the CCR's.

From most people I have talked to, and what I have read, most people that rehab for a living use OPM most of the time or a combination of the OPM and cash.