She sent a reputable plumbing company out and they gave us a $9000 bid to do excavating, repairs, etc. due to some roots getting in some plumbing under the house.

Invest with the one(s) where you believe the investment is solid based on your valuation and long term goals.

It's tough to find a solid deal without giving up the bank. 

If you're looking to stay in state those areas you mentioned seem solid, and Sacramento as well. 

Good luck, and it’s great that you’ve built such a solid rapport with the seller!

Quote from @Robert Cucino: Quote from @Tanner Lewis: Those look like pretty solid returns on the surface level, if you decide to go with DSCR, you can qualify the deal with AirDNA projected income even if it is rural. yeah i talked to dcsr lender in area, they do 80 LTV.

@Karan SinghTo build a solid real estate foundation, prioritize wise time management, early pre-approval, early credit building, real estate partnerships, income diversification, networking, and learning from books and podcasts.

Quote from @Henry Lazerow:My guess is most of the deals selling go to newbies who have no idea what a rehab really costs or that once you open the walls the costs often go up 10's of thousands so you need a solid margin to make money. 

Generally, your local, community, credit union will have best rates, local decisions and deep roots in the community. 

$89k in 3 years is very solid and a lot of people could afford that buy in and investment.