@Sandra Ho,I'm a little late to your thread, but you pose a good question—neither of these situations are ideal.

With all new utilities being right off the I-44 and exit 153 makes it ideal.

because from 1999-2010 we want to become ACTIVE investor, so we don't get fooled by guy that's acting smarter than us.Watch these Netflix movie about money, there's Grant Cordone in there LOL

My ideal property is a detached single-family distressed, 3/1 or 3/2 home in an A or B neighborhood with good schools, ideally in the $200K-$300K range.

Likely more than most brrrr, but with an ideal brrrr I can make infinite return.  

Each property ideally has its own business bank account, as well as your master LLC.Question, is the master LLC acting as the property manager for the other properties?

@Nevin WilkieLuxury Vinyl Plank (LVP): Durable and hardwood-like, LVP is ideal for rentals or flips.

Also, my insurance company said it would be the same rate regardless which option I go with.or do I stick with the cheapest option upfront like a shingle roofObviously the upfront cost/future cash flow will be hurt the most by the standing seam steal roof (although it could assist in resale value)Does anyone have experience on roofing or an opinion which is most ideal for this scenario?

The property is unique so you would do well with families who also need to WFH so insurance displacement would be ideal.

FHA loans with low down payments are ideal for this.In the meantime, focus on improving your credit score and maintaining a solid financial foundation.