If we see 7 or 8 questions in paragraph form and have to read them over and over to pick them out, we may not bother until other aspects are explained.

It becomes a use of cash issue, amount down required and interest rates and you won'y be getting a fixed rate in a portfolio loan due to the interest rate risk Doug spoke of.While I have had in the past and still have LLCs, they aren't formed or maintained so much for liability but as to business aspects.

@Ned Carey I am still learning all the fun and exciting aspects of taxation in real estate.

This having been said, since I am bouncing job-to-job and job-hunting right now, is there anyway to get a small duplex or triplex financed when you cannot show a consistant income?

After I pick one up i'll likely up the budget and see if I can consistently get 1 a month off of Adwords Alone.  

I have been reading quite a bit about how Dodd-Frank and SAFE affect SF and it is somewhat daunting, nonetheless interesting.If a SF deal were to come to fruition, I would most definitely involve an RMLO and an RE attorney, as one of the more "sticky" aspects of it is that it is not only an RE transaction, but a finance transaction as well.Thanks again.

So you have to crack down consistently and across the board.I am also a real estate investor now and would say that you have to be sure about the finances of the HOA.

Government, an economic indicator that relates to labor, material and services.Marketing aspects of related industries, from timber to plastics.Insurance companies watch trends as it relates to new costs of construction and trickles through to premiums and losses.Hedge funds, the mortgage industry, securities, REITs are related to macro assessments.My point is that the closest aspect of macro numbers to your market is to motivation of buyers and sellers, temporary attitudes that may tell an owner "I should sell now" or "I need to hold off" but usually these temporary motivations or attitudes don't make it to the level of making a buy or sell decision, all such thoughts are simply indicators to form an opinion to lean toward further analysis of a personal situation.All real estate is local.

Hello BP family I recently signed a contract with a private investor which consisted of me finding off market properties.

Debt to Income - DTI - is only use on FHA, conventional, Va and other typical residential transactions (consumer front).If you're going to a portfolio lender they look at lending from a 1.25x DSCR point of view (industry standard) which in essence is a 80% Debt to Income if you think about it.1 dollar of debt / 1.25 dollars of net operating income (NOI) = 1.25 X DSCR = 80% DTI Never the less us bankers joke about it all the time because it might be crazy from a residential loan officers point of view but in the banks eyes its not from a commercial point of view.The commercial bank views income property as a consistent sustainable source of reocurring income especially in stronger rental markets so having 1.25 dollars of net income coming in for every dollar of out going debt service payment is acceptable.The mess with this 1.25x they will sometimes make you conform even while subjecting you to underwriting at higher rates, shorter amortization periods, and other income adjustments that make it harder to obtain 1.25x.