What I would suggest is if you're going to give advice please make sure you do so expressing the situation and the qualifications that support the statement. 

I might accept a B+ multi family in a great location with indicators of growth at a lower rate of return, whereas I would demand more from a C class in a less healthy area.

And Houston property is appreciating in value at a very healthy rate (we may approach double digits this year)  and has for the last couple of decades.

Watch out for crooked contractors, they can be terrific up to a point, (when you meet them)  and then  flip to totally bad and turn into crooks (even with the best recommendations) You need to have a healthy degree of suspicion at all times and protect yourself.  

Unfortunately I could not attach the document because it's not supported by pdf but I can e-mail you the flyer as well.Best of luck to everybody in all of your endeavors.

@Marcus Durant,The CMAs will help you determine what the market will support.

For Example, my W2 job nets our family around 62k a year, but the bank still took into account the child support I receive, and that doesn't show up on a tax return. 

Our mid-term goal is to have two rental properties by the time we leave CO in the summer of 2019 and have a great start to a healthy real estate portfolio.  

Thanks everyone for the positivity and the support.  

Credit scores would support what I'm looking for without additional co-signer,, one thing you need to consider is that if you permit co-signers it sets a precedent. and Fair housing could be made a thing unless you only require co-signers for students,, but they are graduating so no longer students.. so wouldn't qualify as eligible for co-signer..I don't believe in co-signers I rather have extra on deposit.