Just wanted to clarify that and make sure I understand what you meant by requiring less money down.

I would be using a DSCR loan since I don’t have 2 years of work history.You are mixing up loan types and I recommend to better understand these types.

It's about understanding their situation inside out – not just the numbers game but their personal challenges, goals, and worries.

Leaving a bad review will blow back on you, show you don't understand the process, and make enemies at the county level. 

Living in the property during the renovation not only saves me on living expenses but also allows me to intimately understand its potential.

My current CPA doesn't understand real estate. 

No loans were involved, so I had no more cash at that time, and "the cart was still there" - that is, the house required a GIGANTIC investment (and they exceeded the planned).

Verifying last 2 years of rental history and income extremely important to find the “best of the worst”.Make sure you understand the Class of properties you are looking at and the corresponding results to expect.What else can we assist you with?

However the excuses she has (and I’m sure we could all write a book about them) are, how to say it kindly, laughable almost.I usually get a text saying she will pay by a certain date, which passes and left her a voicemail today asking to talk - I am trying to be understanding and said let’s talk on the phone to discuss a plan, but at the same time - don’t want to keep someone around that is not going to follow their lease terms.Questions:How often is it OK to ping a tenant for late rent?  

@Allan Pan, I understand it takes time to build up a following and name recognition, but I think it is possible.