@Jared Goldwasseri would strongly recommend you go to Cincinnati in person. 

You’ll put 5% down but get 2% back on sale (which might pay for your closing costs) and then do a rent by the room to cover your expenses and downpayment for next year) Not sure which university you are at but both Henrietta and South Wedge are solid places to start (serving RIT and UR respectively) Good luck, I personally think Rochester is a great area to start due to constrained supply with a growing population

I point them to the local watersports rental company that drops boats and ski's right at the local marina.

Quote from @Dawn Harris: We have a STR managed by a property management company.

However, that was a fluke.Warranty companies are in the business of making money.

It might have been bound but many insurance companies have put those new policies on hold if the purchase has not happened due to the disaster and letting the mortgagee(lender) know that the policy is on hold.

I called every company in town to get someone out to cable or hydrojet the line.

It's even worse for landlords "The company is also asking for rate hikes of 38% for rental dwellings and 15% for tenants, with the rates taking effect May 1."

I contacted the bank and they told me the person needs to go through the regular qualifying process such as income, credit core, employment history, etc.

i've managed both OOS and in-person and both can be a pain but OOS is just harder for most new investors, period.