As a schedule E filer, my experience has been that banks are checking my net income per property plus W2 income against my debt as a whole while overlooking revenue altogether.

Call their favorite radio stations to ask for help?

@Lynnette E.

On really huge properties sometimes bridge lending is available for an additional 10%, but we're talking about institutional players here that have significant liquidity and holdings to cover any issues.

If you have liquid cash sitting in your account right now I would dump some on the stock market..

On the personal development side of things and probably my favorite book right now is Atomic Habits.

Ask for a copy of the seller's Schedule E to check how much rents were received the past two years and what was spent in repairs. 

So rates should - in the medium term - still be rock bottom.What you SHOULD be doing, if you missed out because you needed to "think about it," is apply for a refinance with your favorite in-state loan originator (I'm California only, sorry folks in Nebraska!)

My investor client was liquidating portfolio, asked if I could purchase if he made me his agent I would use commission checks to pay him back.

Thanks for you input Sebastian E. ~ I'll be speak with local Section 8 authority and review finances with banks or hard money lenders before I dive in.