Not too far from the MDA location however there are some areas to be cautious about however the C/C- areas are a great area to have cash flow rentals and rehabs in that are in 35810 zip codes.  

I had a loan amount of $132ish and racked up another $7000 in CC debt for everything else to finish out the house.

As we progress we have to pull out / invent new goals and they often aren't even financial.So a househack FHA 203K plex, saving up 3.5% (plus closing costs of 1-2%) while paying off some emergency cc debt. 

By 2016 my wife and I were drowning in CC debt with no idea how we would ever get out.

For the second question, here is what I've been using as my wholesale formula:Purchase Price + Rehab + Closing costs + my fee = 75% of ARVExample:ARV = $200K (after repair value)IV = $150K    (Investor's value)--------------------C/C = $4,500  (closing costs)Rehab = $30KMy fee = $10K--------------------MAO = $105,500   (maximum allowable offer)S/B = $100,225    (starting bid - 95% of MAO)So, for this example, the investor would be making $50K on this deal. 

I already know a few large employers in CC that have informed their employees that the shift to remote work is indefinite and they are reviewing their leases and weighing relocating. 

@Connor Allan I don't believe you can do a partial 1031 (cc: @Dave Foster). 

Randy, Look for the longest track record with consistant earnings (c/c and/or IRR depending on your goals).

Regarding the DTI, they calculate the ratio of total monthly debt payment obligations (ie cc, school loans, mortgage, car loan, etc.) to your income.

Typically cc are around 2% of purchase price.