Assume a couple of months of vacancy, consider potential unexpected repairs (like HVAC or plumbing issues), and test the numbers with rents dropping by 10-15%.

We hardly ever get a call or text about any issues.

That will be an issue if you change it to try and make it contingent on financing.

The real issue you should address up front is what does the seller want?

Quote from @Jaycee Greene: Hi @Chloe Salcedo, welcome to the BP Forum and I'm sorry to hear about your medical issues!

If you made those free they'd be complaining about jobs or supermarket deserts or lack of public transportation or some other issue.

Class midwest issues. 

I’ve often seen this happen where initial approval is given, but debt-to-income issues arise once they discover you’re purchasing another property.

Based on a quick answer from Perplexity it seems like there would be no issue with you buying the home and collecting passive income, but you may not be allowed to manage it yourself since that is considered active work.

Cash offers are often particularly appealing to sellers because they eliminate the uncertainties that come with financing, such as loan approval or appraisal issues.