My recommendation for you would be to consider other options other than buy and hold to try and gain experience and capital. 2-3 successful flips could really improve your ability for financing.

However, these don't take into account the average American's ability to shift their budget from discretionary spending to non-discretionary in the event of a serious financial strain.ARMs make up less than 5% of all mortgages issued and they don't have the terms they once did that handcuffed borrowers so their systemic risk is negligible.

Some vendors such as my landscaper  has electronic checks where I set them up as vendors, I get a bill from them, I go into the account, enter or change the amounts, click, it's done.Bookkeeping is still done through QuickBooks.

@Avery Goodman If you have filed your 2017 return, you have stopped the ability to proceed with your 1031.

When I started to lose faith in his competence and ability to complete in time, I started doing it myself again like I usually do on one of the online tax software sites.

.§3-3 Should the Property Manager have a disclosed relationship with a property owner, the Property Manager shall review and verify all Tenant applications to determine the applicant’s ability to pay rental fees and to assess the likelihood that the applicant will comply with all provisions of the rental agreement.§3-4 The Property Manager shall accept no commissions, rebates, profits, discounts, or any other benefit which has not been fully disclosed to and approved by the Client.§3-5 The Property Manager shall not mislead a potential Client about the rental market value of a property in an attempt to secure a rental listing.§3-6 The Property Manager shall disclose to his or her Client all pertinent facts relating to any transaction.Article 4: OBLIGATIONS TO TENANTSThe Property Manager shall treat all Tenants honestly and professionally when they are applying for, living in, and/or vacating a managed residence, including through the deposit refund process.STANDARDS OF PROFESSIONALISM§4-1 The Property Manager shall offer all prospective Tenants a written application.§4-2 The Property Manager shall provide all Tenants with a copy of the signed rental agreement and extensions with all addendums attached.§4-3 The Property Manager shall make all disclosures as required by state and local laws and provide the Tenant an opportunity to complete a written condition report within 7 days of moving in.§4-4 The Property Manager shall respond promptly to requests for repairs.§4-5 The Property Manager shall provide a written deposit refund determination to the Tenant within the time prescribed by law after the Tenant has vacated a property.

I just hired a lady that I'm concerned about her ability to just learn new things regardless of her current lacking computer skills so I'm thinking of either paying less to train or by the piece mailed.

I've heard so many horror stories about exiting the note through foreclosure that maybe I am over estimating the down side, and since I don't yet have a network in place, I don't  have the ability to even ballpark foreclosure costs.

So, if you're buying profitable rentals every purchase helps your DTI and improves your ability to buy more. 

At the application phase if they get to see the place and I remembered to bring one, we'll discuss ability to pay.