It’s listed under count 1 and count 5.

That's after counting cap ex vacancy and everything else  

So for us, Cross border investing may be what turns out to be the better option.

Common question - "DSCR Loans" are going to have DSCR be calculated as Rent/PITIA (no prop mgmt fees, vacancy/credit loss or any other expenses counted).  

@Mirlyne AndreRecommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

If your gf has 40k liquid, you need to count 15k of that for reserves on a next profit, so there is 25k to play with, not the whole boat.

Everyone I know who's been successful at RE investing (I count myself in this group) has a lot of mileage on them.

Fingers crossed...

We usually post no later than the 12th which we can then send to court on the 5th day (The day of posting doesn't count as the 1st day and you have to give them 3 full days, so that's why the 5th day). 

DTI doesn't care how you finance something, it always counts it.