It is also good to aks as a back up if they offer an I/O Interest Only option and do they calculate the DSCR based on the PITI or ITI for I/O to also help qualify.

The green path is back up the hill towards the house. 

Your cleaner (have a back up one you use as well I suggest) from Turno or local Facebook groups and then handyman, electrician, HVAC, plumber, landscaper, etc from local facebook groups, thumbtack, or google. 

Thank you for the feedback Russell, I am definitely hoping it picks back up in the spring.

Also, have a back-up plan in case the market turns and you can't sell for the price you anticipated.

If that’s still a stretch, BRRRR properties in places like Rochester could be a solid backup plan.

I’ve had several investor clients go with a new (to me)/ unproven lender because of a slightly lower rate promise only to get burned by that lender (closing costs were higher, appraisal costs much higher and appraisal was a nightmare, main point of contact gave us the clear to close as we passed our financing contingency then just before closing someone from the underwriting department we previously didn’t know existed said we need a few more days and seller didn’t agree because they had a higher backup offer, jeopardizing the earnest money and losing the property, etc).

I have my own "go to" plumber and electrician as backups when/if something doesn't go as planned with his crew.

With a battery backup you can certainly have power.

However it is important to remember to make sure you have a plan to pay that loan down and not allow that credit card debt to climb back up.