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Since I am only qualified for 190k the availability for single family homes in that price range is slim.

With completed & documented rehab, no seasoning is available.

Check out other online guides available here: https://www.biggerpockets.com/guides3.

FHA 3.5% downpayment, but other options available too.

My available income for investing will be around $30-$40k a year just by saving. 

Credit terms and availability change over time. 

You can still get units filled during November-March, it's just colder so traction seems slower with tenants - during those months, I personally think you have to be more competitive with what you're going to ask for in rent versus what's nearby that's available/better if not same condition. 3.

Check out other online guides available here: https://www.biggerpockets.com/guides3.

Considering you're planning on putting $15K into the rehab, you could benefit by looking into short-term FNF/FNH financing options as well, if you don't have the rehab funds available.