Not a popular opinion but cash flow won’t make you rich.  

I think it's the best market in the whole country in my opinion.

Best wishes I did not do a full appraisal, just brokers opinion to get the PMI removed which was the goal.

Thrift stores take a lot of time to shop at, wasted time in my opinion. 

Any thoughts/opinions would be helpful!

I agree it's too small in my opinion as it would take away flexibility at renewal. 

This approach would be a little more sound and simplistic, in my opinion.

In addition to a voucher, we require that the tenant be able to show income at least 1.5 time the monthly rent, as opposed to our regular tenants who must show 3.5 time monthly rent.Thank you for your input.In your opinion, using vast generalizations, is the additional risk managable for a brand new investor? 

That's my opinion anyway......

but i also 2nd @Jay Hurst's sentiments - get a 2nd or even 3rd opinion on DTI/ full doc. i personally love files that are puzzles, i get some weird satisfaction out of figuring out how to make it work on full-doc, especially when my client has been told "no" before. if it doesn't work now, a good loan professional will help you create a path forward.