Working in the oil industry has allowed us to rid ourselves of debt (Not counting current mortgage) and begin saving money the last few years.

My debt to income ratio isn't good enough to to get me qualified for an additional rental property (I already have one property).  

We also have been extremely aggressive on paying off our debt and now own several properties free and clear.  

Financing is typically structured as interest only debt with 24-36 month term, which will convert to traditional financing upon stabilization and a handful of covenants including DSCR, debt yield, etc.

Liens are not enrolled until a tax debt is no longer subject to appeal or the time to appeal is exhausted.

They will require a personal guarantee.Non-recourse debt is at higher loan levels.2 years from now might not be the best time to buy commercial.

I dont have any debt and I have a good financial education (thanks to my husband).I would like to start investing in Real Estate, especially in the US as in France, REI is barely up to 2%.So I'm looking to invest in turn keys properties as it suits my profile. 

One thing you may have misunderstood, if the first mtg holder forecloses on a debt of $50k, including fees, and the property sells for $150k, the first mtg holder only gets $50k, the balance goes to junior lien holders, then to the owner.

How much debt is on the property now4.

Because of them, I'll be able to graduate with an MBA debt-free with more than a little saved up.