Did you purchase it with a conventional loan or DSCR?

Consider financing options like FHA loans, conventional loans, Texas State and Local Programs, and HELOC.

As for the cost, DSCR loans will almost always be slightly more expensive than Conventional loans.

https://www.har.com/content/department/mlsHouston Real Estate Highlights in September, 2024:-Single-family home sales increased 1.7 percent year-over-year;-Days on Market (DOM) for single-family homes went from 45 to 51 days;-Total property sales were down 3.3 percent with 8,228 units sold;-Total dollar volume was statistically flat at $3.3 billion;-The single-family median price was up 1.1 percent to $335,000;-The single-family average price edged up by 0.3 percent to $415,435; -Single-family home months of inventory registered a 4.4-months supply, up from 3.4 months last September.

All of my deals have used different types of conventional financing strategies. 

Between risky behavior of bankers and then the government not wanting to make a housing crisis worse, 15% down programs are the best we have right now. 10% down is still available for vacation / 2nd homes, but for the purposes of conventional investment loans - 10 down. 

We've always gone through conventional lending and working with distressed sellers and creative financing is totally new to me.Sue Manseau 

I noticed that 32209 and 32206 had potential as far as price and rent ratio, but I don't know if those zip codes where there is a lot of inventory are in Class C or D neighborhoods.  

My debt-to-income levels, by conventional banking standards, are good but not great.

For a  conventional loan….that’s how it is.