If you’re numbers are right cash flow wise they seem to be solid.

I am trying to cap my next purchase at about $300k with a monthly return of ~$400 (have not found a place as I want to make sure my financial plan is solid before moving forward.Thank you in advance

My debt to income is too high without it even though I've been renting the house out for almost a year with a solid lease.

@Jonny Mcknight when you come into the forums with no activity, no photo, no bio, and no evidence of actually doing anything, and then also wonder why some of us don't just conflate your post, but actually ask you some harder questions than the ones you are asking, you just don't get it.

It sounds like you have a solid plan.

Why would someone lay out their money to you if you don't have data and evidence to support your deal flow in the past so they can feel secure about the future?

It's a solid contract that covers the common disclosures in a purchase, and then we add the Income Addendum which covers the lease, move-in checklist, rent roll, etc for an investment property.Very few will ever provide the screening documents, in my case it is against the agreement I have to be able to screen parties.

Do the 20% down, but focus on solid homes where the numbers work. 

It is not prudent to think people on a chat website can provide solid advice that you can bring to an audit, nor can an article online.

Quick background: Management Consultant - make a solid living. and decided that it’s time to enter the sphere of real estate investing.