I am sure vast majority of people on BP and life donot want to pay what they donot owe. 

Hi @Rhea Jeong,The situation you're describing is actually pretty common, especially for first-time investors looking to maximize their purchasing power.You’re correct that some lenders will consider a portion of the rental income when determining how much you can borrow, typically in the 75-80% range especially for FHA loans.

While most private lenders typically have seasoning requirements ranging from 6 months to a year for refinancing, even with a DSCR loan, there are some lenders who don’t have any seasoning requirements at all.It’s definitely worth exploring your options if you’re looking to access your cash sooner.

I have seen areas like Cleveland and Dayton with COC ranging from 10-18% and Columbus is around 8-12% with strong growth. 

Upon receipt of these complaints I'll personally check the temp splits ("delta T") in several rooms to confirm they are still within the acceptable range.

I've had very similar types of projects that took vastly different effort due to neighborhood opposition, or unforeseen City requests. 

North Carolina has been on my list of states I’d love to invest in, but the only real area we’ve been able to find something within our range has been the Winston-Salem area, but we don’t know enough about it to figure out how successful we could be with rentals there. 

We are open to using wholesalers and are looking to get plugged in to a wholesaler, realtors in the area, etc.We've been eyeing SFR ~3/2 in the <$250k range.

I am comfortable in that range personally. 

Comps of single-family homes suggest we are in the 2500-3200/mo range.