I tend to be able to charge more for tenants with pets since it can be hard for them to find rentals that accept pets.

@Jesus Moreno I found the New Mexico Regulation and Licensing Department web site.

Value 600k, Bank has accepted 515k with 15k Seller Assist. 5 properties listed in the community all above 600.

I believe it to be perfectly acceptable to leave some cash in if it gets your cash flow to meet your minimum criteria.  

Hi BiggerPockets,Thanks for an amazing website filled with great information.Best regards,Nick

I have a case study on my website.

One  (the good one)  no compains in almost 5 years,  she pays on time (most of the time) her part of the lease,  one time I had a really bad tenant,  she was in her 20s with 5 kids and no job,  Housing authoirty was paying the 100% of her lease but anytime I was on the property she was with  some "visitors"     normally more than 5, after having osme discucions becasue she was not a clean lady I asked her to leave,  the good thing is she moved out without any legal action,  Be careful accepting the tenant,  even they are coming with the voucher,  you need to do your due diligence all the time,  credit score is not an issue but eviction yes Good luck 

Check out flipman(net) website

It boggles my mind when I see brand-new investors talking about setting up an LLC for each property, bank accounts for each LLC, hiring a CPA, developing a business logo, setting up a web site, etc.People set up an LLC to protect themselves.

Chapter13-- discharge before the date of application and acceptable 12 month payment history.