I really enjoy my current career; however, I would like to take advantage of my stable employment and income to enter into the real estate investing world.My goal is to achieve financial freedom through buy and hold investments in multifamily/small apartment complexes while working my main job. i am also interested in gaining domain-specific expertise in areas of real estate investing with the hopes of using my software background to build technology and solutions to better the real estate world.I recently purchased my first owner-occupied home in Santa Cruz.

They may be less stable with the divorce, but as homeowners should be better tenants.

Just ask an attorney, off shelf is dangerous.

If you talk with banks and mortgage brokers, they handle off the shelf mortgages meaning that if it's an OO loan or NOO loan, they require so much down payment, interest, points etc.

More stable areas the tenants tend to advance in their jobs and can tend to afford higher rents.

I have a stable 6 figure job with great security.

'I have stable job history; I have been a classroom teacher for over 20 years.

You would need a stable source of income and lending rules do not allow that type of money to be used for mortgages.  

I self managed and was able to get it stable.

The exception is only given to existing condo complexes with at least 3 years of very stable finances, and low delinquency rates.So as long as the delinquency rates remain low and there are 3 years of good finances, you can have up to 65% of the condos be rentals and still attract FHA buyers.