Most people tap into their own Netflix, Prime, etc. accounts (as evidenced by the numerous accounts we have to delete after checkout).

Quote from @Chad Clemons: I wouldn't recommend it.Lease option can be lucrative, but you really need to know what you are doing.

But when you can qualify and deal with the process before then - usually worth it to do bank options like this until you hit the scaling point (could be 3 rentals could be 5, could be 10 etc - no real "hard and fast rule") 

However, if you analyze what we have vs. what other states have there are numerous reasons why we are a great state to invest in.I hope all of that makes sense but feel free to ask anything additional. 

I left numerous contact me letters to speak to the owner to discuss options and potentially cash for keys.

I do not think options 1 and 2 are mutually exclusive, in fact I think you should do both. 

Looking at online real estate licensing courses, anything out there with continued education options that does a good job of covering creative financing?

@Henry Clark in step 1, what is the numerator of the ratio?

Financing options include cross-collateralization, cash-out refinance, and DSCR loans.Good luck!

There are better options that don't have minimums.