For FHA loans with less than 10% down, the monthly MI is permanent - it lasts the life of the loan, no matter the LTV down the road.

Take a look at sold comparabale sales over the last 12-24 months and identify what you can do to add value to a home using renovations to increase the subject properties ARV as fast as possible.

We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

I'm Zoltan from DFW (TX) passionate about real estate investing for last 10 years.

Has it developed much in the last 5 years? 

It is incredible to not have to take the phone call and have tenants receive a response.

Have a Tenant who last paid in November.

that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Total loan is $500k so the other $400k comes from other investors.My husband invested in a note with Aloha last year as a trial, and unfortunately that one went into default a few months later.

.: Quote from @Donald Hatter: Option 2 is the last option I would suggest.