You’ll make most of your cash flow from half of May through Aug, lower in Sept, med/strong Oct.

I started looking a bit into Rochester which has a way lower price point for multi families and single families but obviously I would be unable to house hack as it is 5 hours away from NYC which I will not be commuting lol.

I just don't see you being able to do a whole lot to allow you to sell it quickly outside of lowering your price to something extremely compelling.  

PennyPref equity investments allow you to sit lower in the capital stack (less risk).

@Erlson Neba Much less stress and headaches than rentals especially for lower end areas where the ongoing maintenance will most likely diminish any return you may hope to make and where appreciation cannot be expected.

I then lowered the offer price to 70k since I wouldn’t be able to complete the due diligence piece.

NonQM "shops" offer a variety of loan types, DSCR being one but they are the lower rates and fees.

Hello Team,I am  looking at my outstanding credit card debt which is at ~25k would it make sense for me to consolidate this debt to a lower interest loan? 

If they are legit and you don’t have any other offers then I’d have the conversation with them but I’d want a higher than normal down payment (ideally 50% or at least more than the normal 20%), a higher than normal interest rate (at least a point above the prevailing rate so like 9-10% right now, but you can structure it as interest-only payments so their monthly payment is still lower than conventional), amortized over 30 but with a balloon in 3-5 years, something like that.

I do see that my NJ and NC taxes due are slightly lower for each state though.