But not to worry, listed properties can very often turn out to be quality deals.  

I’ve been working for the USPS as a mail processing clerk for the past three years - I handle and organize letters and packages (via methods of machine sorting and hand sorting) for the carrier routes the next morning.Overall, the post office has treated me well, putting fairly decent checks in my pocket with some pretty sweet benefits to go along with them.

Seek out complementary services, and keep an eye out for established businesses is lesser-quality locations that could benefit by making a step up.

If you work with a quality firm and not just a marketing company/document provider, then you will also have access to quality support for the tool as you invest, and can consult with your provider to ensure your strategy is within IRS guidelines.If you are self-employed, there is a similar program with checkbook control called a Solo 401(k) that can have advantages as a more powerful retirement plan than an IRA.

As far as other methods to lower your DTI, I've had success taking my insurance/taxes out of the escrow account to lower my monthly payments.

The accepted standard for determining current market price is to survey the market area with considerations for quantity and quality for a "going price" of the goods and services in question.In a widely cited case, the FTC went after a Baltimore roofing contractor in the early 1970s successfully alleging the contractor was overcharging consumers to reroof their homes.

Definitely start first by getting educated about the various ways to get started, then consider all of the methods against your current resources (cash/credit/network/skill-set/income/assets/debt/time/knowledge/experience/etc...), desires, likes/dislikes, near-term, medium-term and long-term goals, and time that you have to devote to doing REI. 

Lowering the property's value and the quality of tenants you can attract.

I usually prepare several owner financing methods in advance, so I have some options in the conversation.  

Sales Method.