Non deductible, Better Proximity securing loans) "ROIsoonest months"        Unknown*  “Cheapest”. 2nd. 3rd     Unknown* Deals, Off Market, brokerage, government, 4thJudicial, Move to USA 1031Tenant Management due diligence   Unknown*Previous landlords Credit score,eviction record, income to debt between 40 and 60%,hours at home,Pets, poor character appearance Ie tattoos,drugs,crime,personality,dirty car.Value Add focal points          Unknown*Raise the rent,Rehab, maximize rooming, section 8, Reducing management “general”Rehab etiquette       Unknown*compartmentalizations & entry,Colours, Lighting, Fixtures & Amenities, floor, bathroom cheaper / kitchens, fixed stylization.

I thought the requirement was enough cash flow to cover the loan?  

Using the rental income should help you buy more...if you have the other things needed for a loan like that.  

A $20-30K private loan from a family member may be an option if needed.

Having a simple written agreement of loan terms and responsibilities of the two parties is always nice and it doesn't have to be from an attorney just something clear that you both understand and agree to with a signature.

Hi BP,I've applied for the new 5% down multifamily primary residence loan option for a 3-unit property, but keep getting denied at the Automated Underwriting System (AUS) stage. 

Does it make lenders wary of giving you a loan for your personal home purchase?

These loans are all 30 year fixed rate loans.

From the perspective of our team here, we utilize soft credit pulls for 3-4 loan programs that have rehab and 30-year fixed financing.

This was part of his loan application:"The only fee charged is for the Loan Protection Insurance (LPI ) whichis charged at 2% of the loan amount and has to be paid before closing after signing our approval contract then we proceed to disbursing the fund into your provided account as soon as the loan is duly insured."