This has put quite a bit of pressure on the cap rates. 

I could buy a 700k 2bd 875sq foot house with no yard (real sale in my neighborhood), clear out my saving, raise my expenses, pay a ton on taxes and have to work even harder to keep up with that my mortgage OR I can rent and use my savings to invest in real estate until I have enough passive income to cover that high mortgage payment when i do buy and have less pressure to work more.  

But must be verified by 60 day history, and must be a gift with no requirement to pay back.Reserve Requirements 3-4 Unit owner occupied properties must have 3 months PITIThree (3)- and Four (4)-Unit Property The maximum mortgage amount for the three (3) - and four (4)-unit properties is limited, so that the ratio of the monthly mortgage payment, divided by the monthly net rental income does not exceed 100%, regardless of the occupancy status.Livable Conditions The property must demonstrate the following characteristics: A continuing and sufficient supply of safe and potable water under adequate pressure and of appropriate quality for household uses.

We have scoped out some of the neighborhoods in NW Philadelphia and LOVE West Mount Airy thanks to its proximity to the Wissahickon and general vibe.  

There were a lot of difficult moments, but it was fun using it to my advantage - my contractors didn't need much pressure to stay on the timeline because they were all scared I'd have my baby on their clock.If someone takes advantage of you, it's because you're new.

Also you could talk to the bank about applying some pressure to get these things done or maybe letting them slide until the transaction is final.

No pressure, nobody trying to sell you on anything.

You may want to check out the RICH club, they have a monthly meeting just for women and seasoned investors share their experiences with those who are beginners and it's a no pressure environment.

To get that back, I'll have to get a permit and  a licensed plumber/HVAC person has to do a pressure test.

I would like to stick within 30-45 minutes of Mount Horeb if possible.