Should also note, Lonnie Scruggs' book "Taking the Mystery out of Money" is half all about note investing philosophy, and half a great instruction manual on the HP-12C.

One is a self employed contractor with a verified income of about 7x rent the other is a yoga instructor with a verified income of 3x rent.

When I receive a tenants 30 day notice to move out I then send them "move out instructions" according to how the home should be left upon move out (in accordance with the lease agreement). 

I started with a local school but couldn't handle sitting through hours of class while the instructor basically read a book to us in monotone.

I am sure you will find a good tenant who knows what to do when there are issues with the water and follows instructions happily and is appreciative of a nice place to live.

I had one this week, he seemed a bit odd when he arrived he called my business number not my cell as I had instructed so that I could come to the building's front door.

- Paying them on time, in full, at a fair rate- Giving clear instructions, setting expectations, and providing training for relevant tasks

Articles about getting 60% returns on your money are why so many investors find themselves desperate to unload their "money pits" despite their 30% down payment.I think Warren Buffett might know what he's talking when he says that just a generic index fund, purchased over time, is the best way for most people to get rich - and that even for billions, his trustees will be instructed to follow that strategy after his death.

From my understanding the courses that are offered come with very detailed instructions on structuring deals and protecting yourself legally.

I suggest you do as @Adrian Smude instructed and talk to a couple of lenders to make sure the info you have received is correct and you will qualify for the loan that works best for you.