Not in town enough.Are you purely in residential?  

FHA loans are pure brain damage. 

If pure appreciation is your investment goal, than Kansas City would not be a good market for you.  

The rainy day fund is already a set aside amount of cash that I suppose could be invested in short terms (again boring) CDs or purely safe vehicles. 

I don't ever see the house greatly appreciating although the area has some potential long-term (but that's pure speculation). 

I can only speak to my case, but I house hacked my first duplex, so by the time we were looking for a second pure investment property, we had rental income on tax returns.I think that some, do the BRRR strategy using non-conventional loans for the purchase and rehab.  

Don't take this a recommendation to do so, purely just informational. 

Me and you both know you have no clue what your saying and your uttering pure opinion and guessing. 

We did the o% down and used our savings to buy a pure investment once we were comfortable with the first house.

Link me to credible data besides some ABA blog claiming expenses increased to borrowers, what I read was pure political rhetoric from the break room in some bank.  .