However, I noticed that as a Costco member, they also offer HVAC services, including the same product line (Lennox), along with a 10% Costco Shop Card if you go through them.Has anyone here used Costco for their HVAC needs?

Prioritize your financial stability.

I could be wrong but I am unfamiliar with any products existing.

I would find some motivation seeing how long it takes to stabilize a portfolio and start to see the profit.

Your income needs to be 100x it and you need to invest 10% of your net(so less than $5mil) annually in structured product type investing incl RE, let it season for 3-5 years, re-invest the first bit of profits and by year 8-10 you should be comfortable.$500k annual income is alot for your average folk, but it's not "retire me" income at all.

Thanks What loan product are you shopping for?

I like the idea of using a 15-year loan for the best rate, especially since I’m aiming for long-term stability. 

Prioritize your financial stability.

This would buy time to improve cash flow or explore better refinancing options.Ask Your Lender: Would they consider lowering the rate temporarily or extending the loan period while you stabilize cash flow?

@Hiyun Park only experienced investors can DIY everything in Class C Midwest areas like Detroit, Cleveland, St Louis, etc.Hopefully the info below will help you:-----------------------------------------------------------------------------------------Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?