You also are required to put 25%-30% down and larger reserves are required and the building itself can cause issues if it has vacancy ratios.

Also the property rents for 2K and has good cash flow.Hey Mikal - that deal would be pretty easily done as a DSCR but the main reason you would want to go that route is if you want to 1) put title in an LLC for asset protection 2) qualify off the property's income and not your personal DTI 3) keep this mortgage off your personal record so you can qualify for another conventional loan down the road

I may have to put a bit of my cash in though, as I'm not getting approved for business cards as easily as I thought - and so far the limits are NOT good.

Put new PEX supply lines in, repainted everything, rebuilt some windows and repaired others.

Why on Earth did you put it in an S Corp?  

Not true but ok I'll go to bank the bank sends me a message today and says that in 21 the property was moved to an s Corp in 22 in was put in just my moms name then in 23 it was put in my sister and mom's name.

We can help you out with offmarket aquisition and Property Management in Cincinnati , give me a call to see if we have answers to all the woes you had with your previous PM companies you used , or if you are new to investing in cincinnati we can start from basics and help you put as well 

It seems you got lucky in the past, but unless you’re willing to put a lot more time educating yourself it seems REI may be challenging for you.

They are one of the best types of real estate investment because there are no toilets,water or pets.And if they don't pay you can cut their lock off and put a new one on... in order to get their stuff out they HAVE to pay you!

And if they aren't, it will reflect in rates going much higher for the risk.