Quote from @Jadon Grant: So, my business partner and I have run into a little bit of a roadblock.

In our case there's about a 0.125% LLPA every 20 points in credit score. 

It’s got strong rental demand and a big community of investors, which makes it easier to find deals and support.If flips are your goal down the road, consider a house hack that’s a light fixer-upper.

Additionally, it pretty much the 1% rule as a LTR and would absolutely kill it as a MTR/STR!

Quote from @Youssef Pullman: Where do you guys get your cold calling lists from in dallas , Houston texas , am struggling finding a good data to work with and i have a team of 2 cold callersHey Youssef, I am the owner of DealMachine.

I have a W-2 job primary and my business partner has another business.

Would you choose a different market, build a better team, or take another approach?

Your title, “new to real estate” may offer a key.  

You may be better off with a higher rate and the flexibility to access the equity in that property to grow your business or even bail you out of a jam.

That's a significant amount of after-tax savings to accumulate.Investing in a city with an average annual appreciation of 8% can be a game-changer.