If I get my rent by the 5th every month and they are very strong tenants who take care of my place, it´s utopian.

I worked for Marcus & Millichap in their Capital Markets (Mortgage Lending) business and he worked with us exclusively.

if so, this had high risk written all over it for all parties, as in todays market it is very rare to find properties that will produce positive cash flow with 100% leverage.  

I will research my market to find out what's required for my state.

Through my marketing I have been getting more deals in Delaware County, PA.  

I'm particularly passionate about Georgia, but open to other markets that have growth potential and more affordable entry points. 

But in the competitive Los Angeles market, I had to put up additional cash on top of the deal in order to have my loan taken seriously.

This is where the market value of my portfolio gets added to the money in the bank accounts, then I subtract the debt on the properties.

If the software is not simplifying your life or making you more accurate, you shouldn't use it.Software does have extremely helpful features like online payments, marketing syndication (click a button and your property is advertised on multiple sites), electronic document review/signing, maintenance tracking, and owner reports.

If it's a Veteran assuming the loan then that doesn't apply.Our market is changing and we need to find new ways to make deals work.