A good broker is worth their weight in gold based on monetary savings and as a knowledge base.I'd love to help you, if you're looking for assistance!

Without counting the rental income, this blows up the DTI ratios pretty quick.And yes, local banks are over-weighted in 1-4 unit (residential) investment property loans in their portfolios, with lots of them impaired, and they're compelled to cut off new lending to comply with regulator and Board directives to reduce exposure in this area.They all want to focus on secondary market lending, preferably to wage-earning OOs, where the underwriting is easier, as the income they can generate for this activity features a very high ROI, without taking on any credit risk for the bank.

Maintenance and upkeep is on me, breakage and theft are on the tenant.

Education is also worth its weight in gold sometimes.

I have vacation property (6) that I manage long distance and upkeep so I am not unaware of the care of property.

I am quite young relative to many investors on here.I actually track my weighted average LTV every month and target a lower percentage over time.

You can't make this stuff up!  Keep

I also have a document from a licensed inspector which gives weight to the needed repairs. 

Where I struggle is the eventual management (renting, repair, upkeep) of the smaller properties.

I don't put a ton of weight on those.