I would agree with part of what @Joshua Martin says about the Why,  I couldnt imagine not having my license, it opens so much opportunity, imagine negotiating with an off market prospect, and the terms wont work, so you offer to list the house, and in the end make a few grand anyway. or you buy an reo, and get a commission check cuz thats just what the seller does (happens alot) or listing your flip, and can offer 3% co broke, cuz instead of paying $6K to sell a $100K home, you only pay $3K one deal paye all your fees per year and then some, including MLS access.

So on paper my DTI is destroyed.  

I wont be living there or moving to the area so it would be managed by a PM, most likely someone found on BP.

And it wont sell .

And even if at the end of the option you don't sell it (or exercise your option to buy), they had their mortgage paid down, their credit scores kept or improved, prop not destroyed, and they got it back with equity.

@Hem Kumar i'm specifically looking at multi unit properties. no less or more than 4 units right now because i wont be able to get a commercial loan without land lord experience. or so i'm told. looking in the scranton area of PA@Jeffery Goode i've learned so much from this site without actually being a member. imagine what ill learn now as one !

In California that 680k likely wont buy assets that cashflow 2100/mo.

@Xavier Navas also a credit union wont work for me i dont think because i live in new york but am investing in PA

I have heard great success stories from landlords and managers who like Section 8 housing - they get on time rental payments and long-term renters (once a tenant gets a approved for a Section 8 property, they wont be in a hurry to move).

You wont be disappointed.