Ratios like 0.7% or 0.8% can still work, but it depends on your market and expenses.

My business partner is a regional VP for NARPM and I am happy to help if you need anything please reach outQuestions to Ask prospective management companies What are your average days on market for vacant homes?

Fannie Mae has a requirement that if you want to use the rental income from the non occupied units, that you MUST have a current housing expense which means you cannot live rent free.

You can buy a solid duplex with $1800 rents and no owner expenses for $350-$4325,000 that will appreciate and build wealth and cashflow.

Might be an additional cost there.If units are updated, capex items look good, leases and tenants look solid, and there are no other regular expenses besides the 5200 in insurance/property taxes then I like this deal.  

In my opinion, Dallas represents more upside with lower risk, and is less expensive than Houston.

They certainly are not above average which B+ implies. 

., with the rapid rise of STRs, you will find that many insurers offer STR policies.We use Proper but it is very expensive but very comprehensive.

Quote from @Jason Baker: I’m A 11th Grader And I’m Committed To Being A Young Real Estate Investor After HighSchool...Just Trying To Seek AdviceThe average person who went to college carries $40,000 in debt. 

It's not fool-proof, but I think odds of earning 7.5% using a barbell strategy in the average year on your money is 97% likely with very very little effort.