Great points, ZharaBirmingham has relatively steady and diverse rental demand, and I’ve seen many investors I work with have success with C/B class buy-and-holds.Location is key—areas near UAB, major employers, and popular suburbs tend to have the strongest rental demand, while C/D class markets offer solid affordable housing and Section 8 opportunities.

Perhaps you have coverage for the replacement value BUT the insurance company when calculating the replacement property uses modern building materials like drywall but your original house had plaster which is much more expensive.

The current price of the house is worth about $900000.

I am looking at different loan options but to break even (not having to put any money of my own in the house after the initial down payment) the current down payment required is that much. 

Id rather see you house hack a property.

The guy on Youtube that boasts about buying properties with no money out of his pocket and using other people's money from his "community" to pay for closing and carrying costs, said in a video in June that he had 10 Due on Sale called in AZ alone from Jan 2024 to May 2024.

Gettysburg PA is a very attractive place and attracts a lot of tourist that now many retired people have started buying houses to live there and the prices of houses have gone out outside the Downtown.

Investment Info:

Single-family residence buy & hold investment.

Purchase price: $785,000

Cash invested: $156,000

Short term vacation rental in Panama City Beach. New construction, fully decked ou...

Paying those things benefits you because they facilitate STUFF exiting the house. 

Section 8, nice housing!