Additionally, I would like to attempt to do the process Owner/Builder with subcontracting work out as well as doing some of the work I'm comfortable with (I have some experience with bathroom & kitchen remodeling an am not new to the construction industry).

I found an area I felt comfortable living in and I bought a house with an FHA loan.

Get out of your comfort zone.

I retired in my mid-50s and live a comfortable life, grateful every day for the path I chose.Looking back, I’m forever thankful to my partner who encouraged me to take that leap of faith and move to Ohio.

✅ Interest rates you're comfortable with?

., Purchase Price: $475,000 ($197.9/sq. ft.).Estimated Market Value: $402,000 ($168/sq. ft.).Financing Terms: 2% interest rate, with a 9-year balloon.Unit B Income: $2,049/month (Section 8 tenant through November 2025).Unit A Income Potential: Similar rent or higher; Section 8 cap for the area is $3,234/month.Monthly Loan Payment (P+I): $1,386.Cash Flow Breakdown (if both units are rented at $2,049/month):Gross Rent: $4,098/month.Vacancy (10%): $410/month.Operating Expenses (37.3%): $1,376/month.Net Cash Flow: $943/month.Key QuestionsWould you be comfortable paying an 18% premium for financing at 2%, especially in a market where current mortgage rates are closer to 7%?

Get out of your comfort zone.

You either need to pile up more cash or give up some comfort via owner occupied investment options.

Our offices are in the southern parts of the US so naturally we're more comfortable with buying in our backyard.

You are more than welcome to decline a showing because he is not comfortable with your requirements, but you are not allowed to discourage someone from applying to your apartment.