hello friends, I have an old traditional IRA from my first job that is sitting in a local bank since early 2000s. it has about 40kI now have a W2 salaried job for 20yrs where I've participated in a employer run 401k i think with John Hancock.

Population is growing aggressively and jobs are moving here especially with major employers like Intel, Google, Amazon, Nationwide, etc.

There are advantages and disadvantages to both strategies when deciding whether to invest in-state or out-of-state.In-State Investing:Knowledge: You probably know more about the rules, legislation, and local market in your own state of Houston, Texas.Network: It's possible that you already know contractors, real estate agents, and other people in your community.The Ease of Management: Especially when dealing with daily problems, managing properties in your neighbourhood may be more convenient.Out-of-State Investing:diversity: If your local market is competitive, investing in a different state may offer greater prospects and diversity.Affordability: As you pointed out, certain states could have more reasonably priced real estate, which might enhance cash flow.Market Dynamics: There are markets with varying development potential and economic trends that you may access.Taking Out-of-State Investing Into Account:Investigate the target market in-depth, paying particular attention to employment growth, economic data, and local real estate market patterns.Establishing Networks: Establish a local network of contractors, property managers, and real estate experts.

If you have an auto liability that is ending is less than 10 months, then it will be excluded from your DTI.If you are using a DSCR loan to purchase, it won't matter as personal income, DTI, and employment are not considered for being approved for the loan.Cheers!

There are different strategies you can employ such as MTR or STR.

Getting the loan with a bank would be a challenge without employment or track record (if self employed) so you're probably looking at hard money and I would venture that may even be a challenge. 

ADP’s latest employment report showed that the US economy added 184,000 jobs in March, well above expectations.

Here’s a response from the lending side, @Derek Morrison.Do you have a 401k plan that is sponsored by your employer or a self-directed 401k plan for which you are the trustee?

Construction workers and other large employers in need of employee housing, too.

Similar endeavors are underway in Rhode Island and Telluride, focusing on assisting first-time homebuyers and developing affordable rental properties.One significant strategy employed by these governments is the utilization of tax-exempt financing.