Quote from @Paige Seeley: @Jay Hurst even with 20% down, what non conventional options are you talking about? 

Evaluating different options from that standpoint will allow you to best determine what will truly move the needle in terms of your wealth building. 

In my experience, the good ones are expensive, typically require a subscription, and sometimes they even do a physical inspection of your premises to verify it is a legitimate person / business in US.

I want to be able to find potential markets/listings nationally based on the return.

If maintaining cash flow is your primary objective, you might want to explore other options.

In a prior post from about 2 months ago, Kerry Malarkey and Nathan Gesner mentioned a small landlord is exempt from FHA requirements requiring the acceptance of emotional support & assistance animals if one of the...

My name is Jay I'm excited to join this platform as a new investor based in Charlotte, North Carolina.

And sounds like a good set of options you are looking at.Here's some data and visualization on recent trends in some of the markets mentioned here.

Explore options like conventional loans, DSCR, seller financing, or partnerships, and connect with local lenders to find the best fit for your strategy.Good luck!

Given your goals, Indy could be a great fit—affordable pricing, solid appreciation, and strong Section 8 demand with reliable property management options.