Well, I keep seeing listed properties and their insurance is like $150-$200 for bigger multis. tx

I dont think these things are hard and fast.. to me look at whats left after the rent is paid is it enough to really live on.So if rent is 5k a month for instance that means tenant needs 15k a month in income pretty standard .. well that tenant now has 10k a month to live on.. most people can make due on that.so if this tenant came to me and only made 10k a month  2X the rent I know they have another 5k a month to live on so sure that works.where this is important is in lower income low rent areas were rent is say 800 a month and 3X is 2400 minus rent leaves 1600 a month for EVERY thing else can you live on 1600 a month ???

Any new loan will most probably condition for an explanation for the inquiry; my guess is this wont go over well with the new lender. 

I'm curious if anyone has any reviews/information on Nate Barger's Investment Academy? 

these are both good information. thanks for responding.

The lis pendens would be the key to me because if the owner isn't offering anything I think they very well would negotiate once a lis pendens is filed against the property. 2.

The Cosigner Agreement states they are financially responsible, all communication will take place through the actual occupants, I don't deal with helicopter parents, they are responsible for payment of rent as well as any cleaning/repairs after termination, etc.Don't forget it's not easy to sue a cosigner if they live in another county.  

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You could get a non paying tenant or a bad well.