@James Wise but the gurus teach you to post 5x a day selling something which they say workswhen in reality showing you are an expert in something and giving it away for free and giving an answer vs telling someone "hey buy my program or go to this site complete ten forms then I will give you an answer" wins you a lot more business. 

It made a lot of sense and I wish I could go back in time to buy more multifamily with the program!

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

That way, they can give you soft quotes and help identify which programs, rates, and lenders fit best for your scenario.

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy + tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

BRRRR can work on Detroit Land Bank/Land Trust houses, but only if you treat them like heavy rehabs with strict compliance: read every program stipulation, confirm deed restrictions and rehab timelines, and underwrite all‑in cost with big‑ticket items first (roof, sewer, foundation, electrical, HVAC) plus contingencies and holding time; many lenders won’t finance until work is complete, so plan cash, private, or bridge funds and expect permit oversight and inspections.

A few lenders I’ve talked to have started offering full rehab coverage for experienced investors.Has anyone here tried those programs recently?

ya thats a favorite trick of many of these types of companies hey will we pay you back or refund your fee you paid for our program in exchange for an NDA and public retraction.. we see that on BP often mainly with trianing courses were the trainee demands a refund based on their cancellation rights or their opinion the program sold was not what was represented.. next thing you see is that person post a glowing post about the person they just complained about.. so you know they did that either to get a refund or signed an NDA in a way I cant blame them as folks do whatever they need to do to get their money back and If they went into debt to pay for training like many do .. there are substantial financial ramifications for them and getting paid back gets them out of jail so to speak

Quote from @Drew Phebus: Looking for a all around financial real estate program.

What programs do you have in place to keep residents happy?