For years, one credit card was enough, but in 2015 we did some upgrades and put the more expensive items on one of the credit cards that we got as a zero% promotion this year, so we essentially have a free loan on those upgrades for a year.

use the rental property calculator under tools.  

But due diligence is essential and like I always tell folks buy the top of the market not the bottom of the market. you will be much happier in the long run

Hello @James Wilson, @Greg Harriman.If you haven't already, you should read up on the BRRRR strategy, it's pretty simple but has a lot of potential for your situation, and it nicely sidesteps the DTI ratio issue:Buy: with hard money, advantage here is that the property is paid for with cash, so you can just put in an LLC immediately.Rehab: either with the loan or your capitalRent: get a tenant inRefinance: ideally, start this process as soon as you buy, look to cash-out and essentially have a new property at 25% down, on a nice 30-yr. term.Repeat!

Look in the tools section I think BP has a whole book on estimating rehab costs.

Take a look at the forums, marketplace, and tools sections.  

In short there are many cool tools you can find right in public records.  

Welcome @Eric Gutierrez and congratulations on finding this forum its been a wonderful tool in my business.

Is any one familiar with Reiwebtools? Is this a real thing? And if so how does it work.?

There is essentially no cash flow to renting out my house, other than the loan paydown, and appreciation.I purchased the house for 450k, owe 404k now and the appraisal just came in at 650k.