Thank you all for taking the time to offer your advice.

The vacation homes offered a low 10% down so that was helpful.

Hey Kyle, Checkout Adam Locklear he offers mentoring to people who want to learn more about real estate investing. 

Tourism keeps short-term rentals booked, while long-term rentals offer solid returns at a lower price point with steady demand.

This straightforward process allows you to verify encumbrances before considering a property investment.Alternatively, engaging a title company can offer a more comprehensive approach to uncovering liens.

So, this is less than a downpayment but it also offers a way to really diversify your investments. 

We offer refinances with no tenant required and no seasoning required.

Too bad that BiggerPockets does not offer an LOL reaction. 

You can offer to buy these properties and assume the existing loan.  

Great points, ZharaBirmingham has relatively steady and diverse rental demand, and I’ve seen many investors I work with have success with C/B class buy-and-holds.Location is key—areas near UAB, major employers, and popular suburbs tend to have the strongest rental demand, while C/D class markets offer solid affordable housing and Section 8 opportunities.