I have the mental and physical ability to build more, just not the finances... 

I have most of my tenants through local mental health/addiction services, and those tend to be better than the randoms from craiglist, as they typically have a case manager to check up on them occasionally...

Congrats on making a mental commitment to this industry.  

Welcome to the forums @Bobby CofieldI love the pay it forward mentality! 

Scranton PA is a great spot to invest.Pros:- Low cost of buy-in / not much needed in comparison to other areas due to affordability in purchase price- High-Cap Rates- High Cash Flows- Stable market / continuing to appreciate- Beautiful revitalization of the downtown- Influx of jobs, employment opportunities - Plenty of renters- New Amtrak service coming- Surrounding neighborhoods are sought after, solid schools, "home team" mentality in most of the towns where people want to stayFor the Cons:- I can't think of any OVERALL cons that couldn't be avoided in working with the right team.

I know it depends on the policy, but the house is completely destroyed and cannot be sold, ive lost lots of money already and this is affecting my mental health.

Unless the owner is mentally incompetent, or more than desperate, it most likely won’t happen.  

Currently, one of my long-term employees is on the brink of financial bankruptcy due to the significant health care costs associated with her teenage daughter’s severe mental health illness.

It is the #1 best mental toughness training program in the world.

Now mentally you need to get ready.