@Fulati PaerhatiRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

Your reserves should be part of the expense calculation: PITI, maintenance, capex, vacancy, property management, etc.

Also I can start with 50K inital investment rest is financed & maintenance will be free for first few years is what he said.I have seen some very bad reviews for the old Clayton Morris firm but not many reviews for the new Josh Gilmore (josh@sdirawealth) SDIRA wealth firm.Has anyone done recent business (2023 or 2024) with SDIRA Wealth?

IE - when you're young and poor (low tax bracket), contribute as much as you can to a Roth. 

I certainly know that future years the expenses won't remain that low, but wouldn't that be a reality on a property that has a lot of recent improvements?  

They just came out with a BabyBox, even smaller one that circumvents state housing lows and falls in as an RV.

I should probably focus less on the highs and lows and aim for that average ARV per location and what buyers/renters are looking for. 

Rates as low as 7.25, depending on credit score and LTV.

I think your PITI estimate in both cases is low.  

Maybe I'm no longer a low risk bond investor, maybe I'm parking my money in $VOO instead, CRE REITs, or perhaps higher risk higher return bonds.