Then you can afford to hire a PMC.

Due to the likelihood of needing to replace AC and/or furnaces in the next 5 years, there will probably be another year or two of near zero cash flow at some point.When I bought these houses, the neighborhoods had a lot of rental homes, but were still desirable affordable neighborhoods.

I have several people with lots of expeirence and money that would like to do some of their DSCR and fix in flip using their NON Profit  Charity instead of their LLC. 1 in particular is associated with Affordable Housing in Atlanta and all the rents for certain groups will be subsidized. 

The COVID bonus pay days are over so what they can afford to pay is really down from the height of the pandemic.

I have a background in technology and real estate (I was a previous VC-backed technology company founder), so I am very tech-friendly, and I like to adopt solutions that streamline workflow/enable best practices. 

From my understanding, the IDR plan will factor in my income and family size, making it more affordable. 

If you’re approved for the mortgage they assume you’re qualified to pay it on your own so if you can afford the monthly don’t overlook the power of equity.

At that point, it's worth researching and finding a solution that better meets your needs.

Many of our clients have done this and secured much better terms....EricThis spreadsheet decision is based on what you can afford and when you expect interest rates to fall.

I would recommend to buy in your local market for your first property... but I also realize every market is different and might not be affordable or the best solution.