Quote from @Michelle Glover: I would say challenge it, but sounds like Kevin mentioned it changed with regards to challenges.. what changed?

@Fetch PhoenixIt sounds as though this is all one parcel of real estate? 

@Sandra Ho, It sounds like you are talking about late payments on their credit report for things like credit cards, car payments, student loans, etc.

Vintage year is also very important, is this a c-class property (which it sounds like it is, maybe c-), B-class etc. 

Sounds like a solid deal to me. 

Just make sure it aligns with your cash flow goals—sounds like it’s a solid DSCR!

That’s sounds like inexperience and lack of knowledge about other markets talking.

This sounds suspicious. 

Give the cost of money these days is around 7%, it would definitely be nice to have a paid off rental.7% cost of money sounds like a lot until you remember that it is actually the tenants that are paying it for you while your money is sitting in an index fund making 8%.

sounds like you are on the right track - house hacking or BRRRR to jumpstart the journey is a pretty solid tried and true gameplan