You're basically trading places with properties, almost like you already put 20% on the current one that will soon be a rental, and now you're only putting 5% down on your primary residence.

How do I buy my first investment property as a 1099 when basically no banks will give a mortgage to a 1099 without at least two years of verified substantial income?

Because of these issues and because Cozy is just basically an rent payments platform, we wound up moving to Tenant Cloud which not only allowed us to collect rent online but, we could do electronic lease signings and take care of renter's insurance right then and there. 

Since, most will not pay, you then file for a normal eviction basically.

I'm not a plumber or electrician but I believe that the work is basically done.

.- Nothing against Dave Ramsey, I really like most of his advice, but I think some of it is very basic and geared towards low income earners and people who have been very irresponsible with their money and are trying to dig out.- we have a about $70k to invest from our SDIRA, less if we convert a portion of that to a Roth.- we also will have about $250k to invest from the sale of our home.

@Joseph GarnerI know this isn't the sexiest answer, but when I first got started looking for commercial lenders, I basically googled all the credit unions/banks in my state and called each and went down the list until I found one who first would lend on the type of real estate I was buying, second offered competitive terms/rates and finally I had an initial good vibe with for a long term relationship.

Yes its a PITA to move in in/out, but not worth the battle for saying no to a pretty basic request.The majority of CA rentals don't supply a refrig..... just stove, dishwasher etc.... not even washer/dryer....some do, but a larger % don't in general.

New water heater, new stove, new fridge, numerous repairs, and a water leak emergency that I should have fixed on my own but went with a company who charged me $700 to fix something I could have done myself for basically free.Now, I probably have a bit of a crappy house with all the things that have gone wrong with it, but I also had super conservative estimates behind my CAPEX and maintenance.

So I am calling the guy between every meeting I have that day, basically every 60 minutes, asking for a call back, texting him.