I learned that during a downturn is truly when real wealth can be created, BUT; you need three things in order to actually make something happen:-Knowledge: understanding your market and recognizing an opportunity-Cash (or access to cash): Banks don't take chances when the market is down. 

You can actually still get cash-flow and the area is growing.  

I’ve been told to operate as a sole proprietor until I have actual assets to protect/income from the business.

A friend of mine actually taught me how to drive for dollars, drive around your neighborhood first then expand from there friend.

In order to help your wife to follow you along on this strategy, the thing for someone who is risk averse (which is actually good!)

I actually left my birthday party early to start my first day at McDonalds.

I actually asked how it was handled due to the subjectivity of the content.

Problem with c/d properties it is difficult to find managers that actually care enough to be on issues immediately when they occure.Once you take control and beging to manage your PM you wiill have a better idea as to whether you should find a new one.

He actually is finishing up painting my neighbor's house and did a great job. http://www.johnwolfdesigns.com

TLDR is that if the math is done right, and you're buying cashflow positive real estate, your DTI should actually improve over time.