I understand your frustration (and share it, I have two simple residential refinances that are approaching 60 days in underwriting...it's maddening).But if you want the bank's money, lose the attitude and wrap your head around the fact that you have to play by the bank's rules. 

@Joe VilleneuveLong term goals are simple, excellent and diverse positive cash flow and assets to fund a somewhat early retirement.

You can purchase a simple 2 unit and put 3.5% down using fha loan.Best of luck!

They have interest rates below 4% so in simple terms (not factoring in taxes, etc) all I need to do is find something with a return of 4% or better and I’m better off investing there instead of paying off the student loans.

Wholesaling is very simple; get a house under contract and sell it to another buyer for more money.

If you subtract the original mortgage payment from the new one on the cash out refi (assuming you were already covering that) the rental income would have to cover only the new rental mortgage and just the overage on the new/refi mortgage.Your answer is a simple math problem

This would be my first rental property it is a dual income property I know the sellers very well and they said they are open to carrying the note for me however they want me to drawl up something stating what my down payment would be, A simple amortization schedule as well as any other costs they may pay.

Get an app that lets you snap a picture of every invoice and receipt, store physical copies in a simple folder in a filing cabinet. 

Financing on SFR and small MF is relatively simple.

It *should* be relatively simple to drop pipes at each location.