While there's a LOT of very helpful information, one does wonder at the motives and quality of some of the postings.

My ideal is cash-flow, so I plan to use the VA loan, but I am open to standard mortgage or private money if that's what it takes to find something that meets the criteria quickly.

I am interested in the BRRR Strategy, long term holding for cashflow, house hacking my first deal, and developing quality relationships with good people who will help me improve as a human being. 

@Brian Dickerson I talked to Rocket Mortgage and they said 6 mos, which seems pretty standard.

What we do have is predictable growth and quality of tenants higher than most countries.

I'm wondering if anyone uses this exclusively or if you have a policy for standard vs emergency issues?

read your mortgage is pretty much standard boiler plate.. in most.. and if your buying notes again make sure its there. 

You get more experience and your quality goes up.

Check out their prior deals to see the quality and the overall deal.3.

It is hard to judge how properties did in the last downturn because of too many variables to include owners living pay check to pay check with no reserves, paying 40% commissions vs self managing, location, quality, etc...