For the slow and steady approach there are some good comments here on working around your bank's requirements, just be prepared to do this every time you look to buy a new property.I am doing it full time and can tell you that you will need to (sooner or later) look towards a more complex strategy.  

No guts, no glory.If you are trying to get into the place with little or no money you can forget that happening based on your sellers comments.

That is the hardest part, I'm sure...Comments, suggestions, and advice is greatly appreciated!

Just to be clear I was really commenting on the lender or broker not being able to explain all their abbreviations.  

Thank you for you comment. 

I understand your comments about my target NOI, but what is CFAT or CFBT?

Hello,My name is Simon and I study Electrical and Mechanical Engineering at the University of Edinburgh, I am really interested in RE ; therefore I am looking for a mentor in Edinburgh or generally in the UK.In return, I can buy you a cup of coffee, become your mortgage broker ( I am studying towards my licence now), or just to make you a diet plan or a gym plan, because I also have some success in fitness industry.If you want to know more about me just give me a comment or send an email. [email protected] you very much and have a nice day .Yours,Simon Ambroz

I appreciate any comments you might have.

Sounds like a pass in my opinion, especially reading the above stated comments on duplexes in Indy.

I haven't used the services, but I wan't to comment on the general philosophy of paying for investment coaching.At an early age we are taught that by paying for something we will receive value, with investment coaching: 1.