If your goal is to offset your mortgage with a house hack then Lowell would be a good bet, but if you're looking for a longer term appreciation play then the areas closer to the city would be better, although the offset from cashflow may be lower than what you're looking for.A good step for you would be to dig into specific areas more as @Lien Vuong noted above.

My recommendation would be to be specific with him and outline exactly what you disagree with and why.

I am interested in investing in Texas, specifically Tax Deeds and distressed properties.  

For the past 3 years, I've paid my property manager in Costa Rica via paypal, a minimal cost for me and he gets his money next day.   Now he tells me that paypal is restricting the amount and frequency of his withdraw...

The key with this is if you want to look into annuities (variable specifically) you'll want to find one that is lowest cost possible.

Owning properties through LLCs in their respective states avoids the need to register a foreign LLC, which adds costs and administrative requirements.If you plan to acquire properties across multiple states, you could create a parent LLC in Florida and have individual property-specific LLCs (child LLCs) in each state.

Given your scenario, you might recover more capital with DSCR due to the higher rental income, but as other lenders have advised, your max will be 75-80 LTV.Hope this helps!

Specifically, I'm interested in hearing your recommendations for:- Deal sourcing and lead generation- Cold calling and outreach- Deal analysis and ARV calculations- Estimating rehab costs- Tools or calculators you use to determine whether a flip is worth pursuingFor deal finding, I’m currently evaluating PropStream and Flipster as a beginner.

The solution I give them is to narrow their focus on a specific market, study it, and get to know what a good deal looks like.

The investors that I have worked with in the past have found units from SFR to quads that are ready to close with conventional financing.Connect with me for any specific questions.Best of luck.