You want them to be affordable but also a fit/match for your particular needs and personality.Regards,Chad

So it's on the backburner until we can easily afford the payments and maintenance on a property in that area and enjoy a little subsidy from seasonal rents. 

If you prefer rentals in B or B+ neighborhoods instead (mainly for higher tenant quality, lower crime rates, and better long-term appreciation potential) and don’t mind broadening your search beyond Huntsville, other more affordable locales in Alabama—like Birmingham, the state’s largest city—could be a good fit.We’re active in suburbs on the west side of Birmingham like Adamsville, Forestdale, Sylvan Springs, and Pleasant Grove, and a good portion of properties there meet the 1% rule.

I agree that tariffs can be justified against certain countries like china on specific products where their govt is clearly subsidizing the manufacture of those goods and dumping the products to try to run the competition into the ground.That being said. 

One thing with Obie is that their product is non-admitted and they have multiple writing companies. 

I founded First Access Lending to provide access where others can't.I can write second liens up to 80% CLTV on investment homes, sometimes with rates lower than cash-out loans, AND you get to keep the low rate on your first mortgage.The products are rare, so I'm not surprised to hear other lenders saying they don't offer them and/or recommend other products.Let's connect, and I can give you a quote!

It's well worth the price in my opinion.If you have specific product questions their support rocks and I'd recommend their Discord community.

Unless Cozy has started back up or another entity using the name with a similar product suite? 

Petersburg, and Charlotte also offer affordable housing, excellent public amenities, and family-friendly areas.

I will likely focus on adding another long-term rental using DSCR product