Please let me know if these builders are up for the job and I will definitely reach out to them.Thank you!

If things are tight right now, maybe consider a side hustle or extra job until rent adjustments give you more breathing room.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

The answer is both and neither, all depending on what you're trying to do and which tool is best to complete that job. 

I mean I am looking at my options, I was planing to station myself out there as a trail because my job I  can be remote.

It's not common that loans in good standing are called due, but it does happen, regardless of what people tell you.

The only change I have is I'm a little bear-ish on Lubbock overall - its a very linear market that doesn't have a ton of "job pull" like other markets have (tech/aerospace).

Or check out a job they are on..

Not much industry for decent jobs.

Most homes have stucco exteriors, which are also relatively low maintenance compared to areas where wood and siding are common. 6) Stable and steady housing market.