Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

, I recall posters mentioning & it lowered risk. not a model I do in my day job.. just recall TEXAS investors commenting that LO is either not legal or highly restrictive in Texas.

It's a part time job now.

Since you have work history, if you get a job with salary income and a credit score above 640 (680 realistically), a conventional cashout refi is within reach as soon as you reach those metrics.

I'm really busy with my w2 job working all the time to fund my investments. 

So they work a full time job and go to school full time. 

Should I try to make the deck on the second floor a common space or as part of a large bedroom?

Connecting with other local investors can help you learn the ropes faster and avoid common pitfalls.If you have any specific questions—whether it’s about neighborhoods, property types, or what to expect—I’d be happy to help.

Quote from @Mark Forest: The company I have invested with has done a great job explaining why this is happening and what they are doing about it. 

I know a great agent in the area who helped my friend buy in Ogden and did a great job negotiating.