@Ariel Gonzalez --I bet that if you scheduled a meetup, people would attend.

This is doable however my time to find, procure, and renovate rentals is very restricted due to my life on active duty.When looking strictly at the numbers a mortgage provides a better CoCR and a better ROE, but stepping back and looking at more plain facts it seems like leaving the house paid off is the best bet, thoughts? 

Hi Tuan,Curious if you had made any progress/investments since the initial post?

I really see Columbus Ohio as an extremely safe bet for the next 10-20 years.

Or at least be open to putting in lots of effort long enough to get a few dozen transactions under your belt, which is the minimum level of experience you’ll need to progress from a beginner to at least an intermediate level of competence.

Your best bet is hard money if you're looking for a lender without seasoning requirements.

I think learning as much as you can now going forward until you are able to get into a house hack or your first investment property if you don’t want to house hack is your best bet.

Loan officer incompetence - sounds like they quoted you on 75% LTV but once the underwriters got a hold of it, they restructured.Without having the convo myself, Id be willing to bet its a combo of 2 and 3

I really see Columbus Ohio as an extremely safe bet for the next 10-20 years.

@Anx Carter Your safest bet is to have your CPA/tax professional determine the land value.