Though when it comes to percentages there can be many more that should be taking advantage of the great programs that are out there and low rates especially for rentals.

Great on paper, but only because the only way anyone in the area could afford rent was with welfare programs.

It also helps to find lenders that will give more weight to the revenue and expenses on the property itself.The national lenders I get loans from do just that. 

I believe it tends to give me a slightly lower return, because the sponsor is going to be more careful, and if there is a severe downturn will prevent me from taking catastrophic losses.

That might mean a large tax write-off IF the owner is a real estate professional (otherwise passive loss rules apply).Since your brother owns another business it is doubtful that he would be able to qualify as a real estate professional, but if he is married his spouse might. 

However, no system is perfect and the PM can't be expected to have 100% success and protect you from any/all losses.

Also, It's great to hear you like cozy, that is the exact program I was going to use, have already created a profile.

OR they quoted you some "non-qm" 7% interest rate for a "bank statement" program, and that turned you off.Your 2018 was very good for business, and you recently filed those returns.

Oklahoma has a little known state insurance program that’s $25/month for teachers & $40 for self employed.

Performing note buyers formulate their bids off of UPB and don't give much weight, if any, to deferred principal.