Look into locations where major companies are building and developing because it will drive job growth and population growth.

REI Live is one meetup group in Sarasota put on by some major players in the area, another local one started up and has a FB group called Suncoast Real Estate Investors that was meeting monthly, there’s another larger one that meets at the Bradenton yacht club for lunch buffet monthly, and one more that meets monthly at a Holiday Inn near Der Dutchman off Bahia Vista.

The macroeconomics has been amazing - growing population, more jobs, and major companies moving and developing here like Google, Intel, Honda, Amazon and many more.

We are 5-10 miles from a handful of major medical centers and facilities. 

The problem is that the majority do exactly that, but a great professional real estate agent knows what boxes to check and the tricks of the trade.

I'm a new investor and I also try to stay away from any investment that requires major renovations at this time.I have been looking into getting an investment property in Indiana, but undecided between Indianapolis and Fort Wayne.

I've been a developer for nearly 20 years and am now spending a majority of my time helping to educate people like you so that you can become the developers in your communities! 

Sometimes they also have a car payment or child support payments or major credit card debt. 

Does one only get HML for properties that need major work?

A majority of DSCR are long term rentals .