I am not going to go with a traditional bank at this time with all the hassles that come with them so hoping to find some insight on "TheLender" or any other lending group that allows 20% down as a DCSR loan on a STR, SFR in MN which happens to be a no pre payment penalty not allowed state.

Here are a few I recommend: "Rich Dad, Poor Dad" by Roberto Kiyosaki; "Set for Life" by Scott Trench; "The Unofficial Guide to Real Estate Investing" by Spencer; "The BiggerPockets Ultimate Beginners Guide" found here on BP; "The Book on Rental Property Investing" by Brandon Tuner.

How life is not better today than it was in 1950. 

@Evan Polaski thank you for sharing these insights, super helpful.

I have a wealth of knowledge I can share with you and provide you with some good insights into markets to avoid and those to pursue. 

To keep going, join local real estate groups, get a mentor who knows your chosen area, start with small deals or team up with those who know the ropes, and keep an open mind as what you like may change. 

The property card indicates 1,485 and has never been changed from the original state it was built in.

He ended up not renting my unit since according to him his scheduled changed so that answered my concern.  

We often find that tenants have not entered in maintenance concerns, didn't change filters, and even moved in pets.

@Bruce Woodruff @Bradley Buxton thank you so much for you insight!