After a year of researching cities to purchase in, I'm ready to pull the trigger on a Multi in the city of St.

I spend considerable amount of time setting rents for new leases, renewals, reviewing and approving maintenance requests, paying monthly and annual bills for each one of those properties.

Correct me if I’m wrong, but I assume investors are paying considerably more for the very limited supply of small multi families, that do happen to occasionally come on the market.

This would allow you to have a considerably lower monthly payment which should allow you to cashflow more, but you would need to be aggressive about saving all the cash flow so that you could refi.

I’ve came close to pulling the trigger, but never did.I currently have $100,000 available on a HELOC I will be using, and also have great credit for financing if needed. 

Pasco's prices are considerably less than Tampa or St Pete and it's a very easy area to invest in for a few reasons:- Majority of buildings are 1970s or newer and block (don't buy frame in Florida if you like appreciation)- Very easy to comp for both rents and sale price to make sure you're getting a good deal.

I plan to continue acquiring properties.I'm unclear about how lenders take rental properties into consideration when calculating Debt / Income ratios.

I super appreciate the advice--will definitely take it into serious consideration, especially given how much success you've had and how respected you are within this community!

I am in a pretty similar boat but have done a considerable amount of research in regards to trying to house hack in OC.

@Zack WilliamsThere are several considerations that can go into the analysis of whether you need an LLC or whether a large insurance policy will suffice.