Just work backwards to determine the amount of cash you need (personal savings or HML, or combination) to do a BRRR in your market. 

Previously was using Quicken, both personal & business combined (bad idea!) 

If you have a healthy 401k/IRA, your lender can earmark that counting it at 60% of value to "check the box," but really it isn't a horrible idea to have a healthy "oh crap" fund as someone that owns multiple pieces of real estate in any case.

I was making $57K a year when I retired and my social security income of $21,600 and the combined rental incomes of $35460. totaled up to $57 K and change.My wife retired in December of 2014 and as part of her retirement she got a one time distribution of $80K in an IRA, in addition to her monthly pension.

It's about understanding how recycling capital can exponentially grow wealth, when combined with cash flow, appreciation, and shopping smart. 

Lenders use a combination of equifax, trans uniion, and experian.  

They now get 1,200 a month rent and are worth about 135k or more.The stuff selling now  sub 75k is in the crap hole areas of GA I would never touch with a ten foot pole.

I can count on one hand the number of times I've done it, it's a VERY niche combination that I stumbled upon. 

You can do online or in class or a combination of both.  

Hello i have a house which is fully payed off for its valued somewhere between 60-70k is it possible to take a loan off my property combined with cash to buy and if so what is general interest on the loan.