More of a general trend, when we started we asked the same question. how low can I get it?

I would start at paperstac and Brett Burky and Co. 

I think that areas on the outskirts of desirable cities where many people are moving (ie: Charleston) have great long term potential, as eventually people start to rent right outside the downtown area when prices rise. 

But about 1 year after we bought the property, they started cracking down on the homeless in downtown Jacksonville moving the crime to the neighborhoods just outside of Jacksonville.

You have started your journey in the right place.

. :-) I don’t have a coaching program I’m selling either.A little over a year ago, I started a thread about who was investing in their health.  

From there you can start to identify what you are looking for.Where do you land on the follow spectrums:Cash flow and AppreciationLong term or Short term needs (waiting for growth vs get out of my W2 now)Long term rentals, Mid term rentals, Short term rentalsBuying close to home or coast to coastSelf manage or hire a PMIf you can narrow in on those, you essentially have your buy box. 

We are not the right choice for everyone, but we do help hundreds of investors every year start and progress their investing goals.

Back to the DTI, if you want a quick down and dirty way to do it, start with the bottom line 24 on the 2024 return, then add back in Depreciation (line 18), and possibly interest expense (lines 12 and 13) IF it's also counted against your debt in the liabilities section of the application.

Especially anywhere in California, and particularly Los Angeles county.Talk to longtime neighbors who might know story and whereabouts of owner, but don’t accept as fact.I’d start with researching who the record owner is.