This would mean that generally the households in that area wouldn't be able to afford more than $1125 per month. 

@Emily ShinHouse hacking a multi-family property is an excellent way to start investing in real estate, especially in a market like Columbus, Ohio, which offers affordability and growth potential.

Once the time is right, with enough research, I would jump into a market (hopefully local if affordable) and get started.

I also plan on starting to have my realtor send me MLS properties that popup in the Indianapolis area and start looking through numbers and pricing to see what I can afford and be beneficial.

Ability to repay - can you as the borrower afford the payments based on the loan amount.Typically they will not take into consideration the mortgage on a new property that has not been taken out as that is new.

I am also a huge believer that with massive affordability issues in cities people will start to migrate to smaller towns that they can afford.

Fortunately we are all afforded our own opionion

And the tenants still lived there, they had just been putting old mattresses, broken furniture, and crud there for years.

I can afford to invest in B properties with larger down payments but I guess it means I may be doing more like 2-3 deals per year than 3-4.  

Have invested in ABQ with first purchase in 2020 - and that was based on my knowledge as a film/TV friendly area and affordability.