The problem children, if you will.  

All the assets will be put into a will for his children.  

It's not the credit scores, or the 4 children, or the smoking, or the lack of landlord referrals that bother me. 

OP is a plasticizer  used in LVT in the past or for cheaper production and was banned in 2009 in all vinyl children's toys due to its link to autism.

@Michele FischerI am also a newbie an worry about tomorrow an my wife an 6 children would do without which is why I am looking into real estate investing.

I will tell you the two bullet points that will comprise your lender shopping list:"Children wanting to provide housing for parents."

My wife currently stays home with our 3 children and I work a mid-level corporate job ($76K salary), so my DTI ratio is high.I have identified 30 properties in my area that are either vacant land or are occupied but make some sense to slice off 7-12 acres for this move.

But that's ok because I will likely include them in the estate to be passed onto my children and hopefully be able to by pass the estate tax  at that time in the future.  

Also I have young children that play in the yard so I don’t want strangers using their space. 

I recommend looking into areas near economic bases - close to Nationwide Children’s Hospital, Ohio State Campus, New Albany, etc.