Mostly worried that even if I find a place and the money, that I'll be making a big financial mistake and have little left to cover unexpected costs.

Every local bank does dscr loans, 20yr term, with 3 or 5 yr rate reset, you might be able to get 25yr term but all will require personal guarantee to start and 3 yr historical financials.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

I look at the tenant's financial situation (income security) as a very important part of the property analysis. 

Which niche is better for financial freedom?

Choosing the best first property depends on the timeline, learning opportunities, financial comfort, and property appreciation and market demand.Good luck!

Does anyone know a good financial adviser/planner that I can use in the area?

If you’re looking to scale, then it can be very difficult. I

With the right strategy, you can leverage the flexibility of real estate to suit your available time and financial goals.

If their rejection results in additional damages, they are financially responsible.Do not enter the home when children are home alone.