I know that each area is different and it's impossible to isolate one factor.  

HI Tom,I've done plenty of these on the lender end and investor end as well.If you go the FHA route which is the least down payment option you'll only need 3.5% down and will need to adhere to:- min 3 months cash reserves based on the proposed monthly payment- gross rents on all 4 units X 75% factor must be equal or greater than the total monthly payment of the property (PITIA - I found out this not include HOA in this formula as we had a fourplex with a HOA once too).

Oooook, so let's see if we can do that AND hack your FICO score at the same time:Remember that credit utilization ratio is a FICO score factor, and it's recalculated every month or so.

If you have a great deal ,the costs of Hard Money verses losing the deal due to time factors would be the choice.

You are the end product of their meticulously designed sales pitch, and they use every buzz word to lock up your emotions in just the right way.

I could see the usefulness in the future becoming a Designated broker at an office I open up with a partner. 

I picked this one as my model.I am a graphic designer and web developer, so I used Photoshop to try out some different color possibilities for our house.OriginalHere I am testing color samples.This gives you an idea of the vision that I had/have for this house.  

Oh yeah, there's that pesky risk factor which means you may end up with $0.    

I actually used vistaprint to design my own postcard.

If you switched sides in your scenario and were the person lending the money, would you feel comfortable with all factors being considered?