I do believe college has its perks which is why I'm most likely going and with these responses so far I'm even more sure now.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

MF even on duplexes is often way overpriced. 

Everything ,all areas have doubled, tripled quadrupled or more even parts of EAST Cleveland, over the last 10 years on top of the 20-25% net caps All the best 

Even if one of you find insurance that you think covers your interest, it might be easier to buy, than cover a claim.You also run the risk of due on sale clause, because you are potentially notifying your lender in the transfer of ownership.Now I know nothing about insurance, so I could be totally wrong, but that's what I hear a lot of the nay-sayers say.

For more affordable properties—those priced under $400,000—the timeline is even shorter, with many homes receiving offers within two weeks of being listed.This fast-moving market poses a particular challenge for first-time buyers who may not be as familiar with the urgency required in competitive bidding situations.

Super low vacancy rates in SD, even STR's. 

Even the best retail agents still lack the operations and understanding of what makes a good deal, especially if they do not invest.  

I personally don't care if people are rude or have an attitude or even if they complain.

I wouldn’t completely ignore the possibility of out of state operations, however I wouldn’t even know where to start.