I am currently in the process of accumulating knowledge through Legacy, YouTube videos and books.

What I usually do is hit google for lenders, accumulate about 15 names/numbers/email addresses and then contact all of them and tell them what I'm trying to put together, the best one to deal with usually presents themselves fairly quickly in my experience.

Important thing in the beginning is to accumulate stays and get great reviews.My two cents. 

As you accumulate positive cash flow on your schedule E (not your projections) they will ADD to your DTI not subtract.

Buy and hold is slow growing wealth accumulation. 

In this case you will be accumulating more cash while owning an asset.

I just think that’s more than counting up how many vacation hours we accumulate each pay period..

to date, we have accumulated close to $30k, kept in a “high-yield” savings account and earning 2% interest.However, in recent months, we were hit with medical bills which we had to put on credit cards, adding another $16k in high-interest debt.

Every mail / phone or any action of the lawyer is charged tens of dollars, accumulating hundreds and thousands)I will be happy for any help, offer of any kindI am charged for a payment that I have already paidAnd not only am I committed to also have to pay lawyer expensesCompletely deliriousIt can not happen in a state of law

It's usually at that point when the CAPEX starts, and the money to pay for it comes out of pocket...and negates the CF you've accumulated up to the point