However, if you pay all cash, some lenders will allow you to do a cash out refinance based off of the purchase price immediately after closing with no seasoning requirements.

.-20% down vs 25% down will affect ROI as well.

Well, you kind of are in that business.

I had trouble with minimum balance fees at my local bank and it was driving me nuts.  

John Bianchi’s free course, which is about 30 hours long, is super helpful for anyone that’s trying to figure out what property to buy and how to design the property in a way that will allow it to be highly competitive in its market. 

Yeah the lender told me as well it's better to buy now because if I move to self employment then the clock resets.

Hello all,I have finished my third book and well into the forth on investing.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Well, imagine that!

You need to drill down deeper, R-2 is single family as well as R-3 and R-4, they are multi family in the sense of being more than one unit, R-1, but the federal designation does not change until there are 5 units or more.