Trying to save costs on affordable contractor just cost me more money.Even though I had talked to my real estate agent about how I was investing and trying to rapidly move forward with this home.

If the seller gave instructions to his agent to not present any offers under full asking price, then the agent is obeying the wishes of his principal.Sounds like you can’t afford the property.

Its getting to the point where the rates almost have to be so astronomical that people simply can't afford them. 

This will make it harder to afford, harder to get lending, and ultimately limit the buyer pool which puts negative pressure on prices.  

Unfortunately, very few local Worcester residents can afford these properties, creating intense pressure on those who live and work in the city.

Gets deeper from there, but that's the high-level.My goals included being work-optional well before the traditional retirement ages tied to retirement accounts, so therefore the places I put my money needed to afford more flexibility. 

The lone exception is rent control type regulations and/or affordable housing requirements.

Looks like you're in Cleveland which is a much more affordable market.

Buy: As housing affordability worsens in many markets, more people opt to rent for longer periods, which creates an opportunity for mid-term rental investments.Target Demographic: Affordable housing shortages often push middle-income earners toward rentals, making this group a prime target for mid-term strategies.

If you have the income, buy as big of a place as you can afford (like a quadplex).