Cleveland and Dayton can be great markets for high cash flow and low purchase prices, but you need to be careful when navigating the neighborhoods so you're not buying in a D/F class area where no property managers will manage and where you'll never see any positive cash flow.

Now you have a whopping 12,000 when lenders want about 50k in a 5 mile radius minimum.Now if an area has 200k in 5 miles and growing by 15% to 230k with affluent area that can be a positive. 

I think you're going to have a hard time finding MF properties that give you positive CF using a PM in most of Phoenix. 

Ohio is a great market to be invested into as you can still find positive cash flow (aka the 1% rule) and tons of appreciation here!

With ongoing improvements to public services, transportation, and commercial developments, Detroit is positioning itself as a thriving urban hub—making it a prime location for real estate investment! 

You’re in a great position with a paid-off rental and steady cash flow!

I think I misunderstand DTI for rental incomes.My DTI goes up with a cashflow positive rental ($2000 expense and $3,500 income).

However, I had to subordinate the sellers note to 2nd position (hint: set up that language in advance to streamline the process, if that's the direction you're going to go).Since the ARV was high enough, and the potential income would support the mortgage and expenses, it all worked out. 

(wisconsin)How can I best position myself in this deal where the lender is comfortable and we have a solid prefab, but also workable to where I can keep my sale price competitive and build costs down.This lot is within spitting distance of the lake.

Live under your means and start thinking about investing in Real Estate.In your position the thought of finding a duplex to house hack, live in one side and rent the other.