I am from and raised in Dallas and Lubbock to me is a quiet town that is a college town but it seems like it is in the middle of nowhere.  

In a nice and quiet neighborhood and in a desirable part of town.

Maybe you need to understand that one goal of most investors seeking passive cash flow is to have enough to live off of at some point, they don't necessarily care what the return is at that point if they are sitting on a beach drinking a margarita every day.

they had open wires without junction boxes sitting in insulation.  

amazing way to build up primary residence tax free equity, with minimal downI would say that cashing out CO is the best option:  the market is so hot, and equity is no good just sitting around, might as well use it, especially in a place like Troy or Albany where there are tons of reasonably price properties... and cash is king, especially if you want to try the BRRRR strategy on your elbow grease!  

Here it is, are you sitting down?

Reasons may include a failure by the landlord to provide peaceful quiet enjoyment of the premises to the tenant, defects in the property, failure on the part of the landlord to make a legally required repair, or a host of other reasons which seem to come out of left field and astound the landlord when the breach occurs and the tenant is demanding a refund of the prepaid rent.

Sit down with the branch manager, describe your plan in summary, and ask if they can put you in touch with their small business lending person.Be prepared to write a full business plan including 3-years of financial projections.

Where sfh if the tenant moves out your sitting at 100% vacancy.

Neighbor states that there are young men who loiter outside all the time, sit in cars all the time, etc...When receiving complaints I have driven by and find the property has 1-3 cars but no one outside and nothing like the situation he describes.