In assembling complete guidelines and cheat sheets of investor programs, products and incentives for an internal investor resource guide, I can tell you that as much as things have evolved when it comes to mortgage lending since 2008, not that much has changed. 

Most of Houston is growing, as is most of Texas, but if you have a guide who knows the real up and comer, you can increase your curve.

In a city like San Antonio, with a serviced-based economy, where over 50% of the population rent, and 17.6% live below the poverty lie, this creates rent-to-income spatial mismatch that's not sustainable. 

This is a portfolio loan offered by local credit unions where you can buy up to 5 pure investment properties with as little as 5% down if you qualify, which you do have to qualify still with DTI, credit, reserve requirements, etc.There are different credit union options that would be best to connect with based on where you are investing and your situation, so that is why it's important to connect with our team to guide you on the right path on where to apply so you are not wasting your time and having multiple unnecessary credit pulls.

NaseemaWhile you're looking at Cleveland you'll get a lot of value reading The Ultimate Guide to Grading Cleveland Neighborhoods. 

In regards to raising rents and keeping them, the max for raising rents is 10% unless particular town has rent control then you must follow those guide lines.

This is very useful to determine CapEx costs.CapEx: An Investor's Guide to Capital Expenditures (biggerpockets.com)

It's great to have you here.Here are some recommendations for you:Find and connect with other BP members that are in your area: http://www.biggerpockets.com/m...Set up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/a...Read Beginner’s Guide: http://www.biggerpockets.com/r...Check out BP Money Podcast: https://www.biggerpockets.com/..

When you're fully ready for analysis check out the renter analysis tools and don't be afraid to post questions and ask for help, everyone is really supportive :) A good first step and great lending resource (super important in today's market) might be to check in with my lending guide and bestie of 20+ years @Joseph Chiofalo they lend nationwide and he's very patient with newbies and can help craft a workable plan towards portfolio growth.

This year I went on a motorcycle trip 3000 miles off-road through Patagonia with a guide, a mechanic and a support vehicle, it was a proper adventure absolutely epic.