So, even a small negative like a $50 unpaid cell phone bill that goes to collections when you switch carriers tanks their score.

@Ryan Irwin Hey Ryan, That’s an impressive project, turning a nuisance property into a double flip is no small feat!

gotta echo the sentiment for spending some time on the ground even if a small amount on the front end. 

Quote from @JD Martin: Quote from @Jay Hinrichs: Quote from @Matthew Drouin: Small wine town is all I needed to hear.Seasonal tourism is usually not a great industry in which to build a sustainable business.There are probably higher and better uses of your capital near high velocity metro areas.We have small wine towns near our city in the finger lakes region of western NY.  

This is often easier in lower tier markets where the appraisals are not indicative of how the property would sell in an arms length transaction.The other risk you run is over extension.

We have retirement accounts, a small private stock market account, and an emergency fund. 

I also want you to get into the mindset of direct calling opposed to waiting to people to respond to your campaign.  

I'm not saying you need to move to small town America but I wanted to give you a comparison.The only way I can see you staying in NYC and looking to invest in real estate is to find a way to make more money.

Basically I’m just trying to figure out which direction to go in.

My wife and I own a couple duplexes in Florida, however with insurance costs on the rise, we're looking at Wisconsin, which is where my wife is from originally, and we're looking at small multifamily in Sheyboygan.