@Cheng ChuMcKinney is a fantastic market with strong population growth, and it’s a great choice for single-family home (SFH) investments.

Cleveland wouldn't be my market of choice given how old most of the houses are, but I know a lot of investors who have success there, so it's definitely viable.

I am also a licensed EMT, and would love to provide housing for travel nurses, contractors, etc. in that realm since I can relate to them in previous jobs that I've had.I'm looking to invest in these states preferably: Georgia (1st choice - preferably near or south of ATL or in/near Savannah), Alabama, South or North Carolina, and Florida.

I had little choice since I was financing out of a construction loan that had little time before a ballon.

They’re not a standard DSCR collateral choice.

Choice is clear.

Consult with competent legal counsel to guide you regardless of your choice here.

You are the owner and you make your own choices when it comes to your property.

He has a knack for making bad choices. 

If not, ride out the 12 months with the hard money lender.People have to make good choices and not over extend themselves just for the sake of buying something they really can't afford or that doesn't make good cash flow.