My credit score is around 700, I have less than 10k in debt and have a healthy paycheck as a freelance photographer.

Smith -  It may come down to the occupancy level (owners vs renters) in your particular complex, and the state of the HOA (do they have healthy reserves).  

To echo the comments here, if in your personal name, good credit, and a healthy down payment, you should have fixed options rather than simply portfolio or ARM products. 

We also have a healthy personal savings, 401Ks, etc., but I'd rather leave those alone. 

We both have full time jobs & i have a Detailing business, our goal is to be able to leave our "m-f" jobs and live a happier, healthy and more financially free life.

I have above 700 credit and a healthy income as a freelance photographer and almost no debt.

You need to review the PM contract to find out.Moving forward, it is wise to have healthy reserves for capital improvements.

Any ideas on other areas we could be looking at that will achieve a price point around $100K - $125K for a SFH in decent/stable neighborhoods with healthy rent rates?

The 15% DP, would have wiped out my savings, however, I wasn't overly concerned as I do have a decent gig, relatively low expenses, a healthy amount of available credit and expected cash flow from another investment property in which I would start to re-build my savings.  

I virtually wholesaled 37 mulfifamily properties last year without seeing a single one of them in person, with healthy profit margins.