BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

Don't invest in a market if you can't find a quality PM!

Option 2 is high risk, as financing may be tough on your situation.

Maintenance and admins fees are high.

These are things at the high level I want to be looking at for all my real estate purchases. 

Much of the country is at high risk between fires, hurricanes, tornados, tidal waves, earth quakes, rising tides, etc.  

It's probably going to mean paying points at closing, a high rate, and a serious pre-payment penalty (like 5 years). 

You want lower land cost with high rental demand unless you're a reno expert and flipper which not 1% of real investors are. 

The percentages are going to be up to you There are all kinds of High interest account that require all kinds of hoops to keep them.

With your strong credit score, high income, and solid investment portfolio, you are in a great position to secure financing for an investment property in the U.S., and as they've mentioned above DSCR is something you might want to look at.