When we needed money it wasn't available due to low FICO scores from remodeling, DTI and so forth, so when we think of a possible financial pinch coming in advance, and can draw from a HELOC, that helps out a lot.  

They also tell you if the borrower has done additional projects with FTF and there credit score.

And do you have a credit score over 680?

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

You have to pick up your income or get incredibly lucky on deals, I hope the both for you.With that said, to echo some comments on here go get your 1st one done then assess. 

My husband and I both came from audit at a Big 4 which can be an incredibly demanding career.

No debt and credit score is around 750.

Hi @Matt WujekUse this website for a general idea for what areas are likeUse this rating and classification system I have created over time to get an idea of the "Class" for the area - A class B class & so onhttps://www.areavibes.com/Here is my rating & classification for each livability score.80 and above A+78/79 A76/77 A-74/75 B+72/73 B70/71 B-68/69 C+66/67 C64/65 C-60/63 D59 and below F

It's incredible the difference can make just investing in the state (sometimes even the city) next to where you're looking.  

Keep searching and you are sure to score a deal, good luck!