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One does not imply the other.Everytime someone is having a hard time here, they start to troubleshoot but make complete random decisions based on absolutely nothing.So DMM doesn't work, and cold claling doesn't work, SO...

It seems IRS Publication 527 (2023), Residential Rental Property would say it's 10% based on their example.

I wouldn't jump it up 20% immediately, but just bring it up over time personally. 

Depending on how you want to aquire the property, or flip, or whatever I think you need to strategize how you want to acquire property first then come up with the number based on a percentage of down payment + closing costs of the house prices you are targeting.5) Talk to a few local bank lenders and see what first time home buyer programs they are offering.

Honestly, in what manner to get started is based on a bunch of factors, which I'm not sure if can cover all here. 

Hi, I'm based in Los Angeles, but looking to invest in out of state multifamily properties.

If you’re based in Louisville and have a good knowledge of the city, I’ll love to connect! 

No one wants to jump in a pool with a dead rodent in the skimmer.

.), walk into a branch and let them know you're looking to open a new card.Branches and bankers are obviously evaluated based on their ability to open new accounts, and they may be motivated to give you a special offer.For example when my wife got a Chase card she got double the sign-up bonus in-branch than what was being advertised online at the time.If they present you with just the commonly-available offers, let them know that you'll just open it online because it's easier and will result in the same bonus anyway.If it looks like you're going to walk away, the banker may be able to give you a better bonus in order to not lose credit for your account opening.Of course they may not have the authority to do so but it's worth a shot.