@Rob Gillespie thanks, I definitely try to steer clear of D neighborhoods (thanks @Marcus Auerbach for explaining the concept of "fool's gold") and have heard that one of the biggest expenses is turnover.

NMLS registered loan officers are required (by law) to present several options to you and not steer you in the direction of a particular loan so they are a great resource. 

For this reason, I think I will steer away from purchasing remodeled properties in the future unless I can knock down the walls to see what is underneath.

It's not uncommon for someone that wants to steer your business to them instead of working with the team you are considering by not giving fully accurate responses, or possibly try to discredit the company you are asking about.

They won't steer you wrong because they will be the one dealing with it.2.

I have a STR in Joshua Tree area but Im trying to steer away from STR.

@Mohammed Rahman brings up a great point - check the flood zone situation, & steer clear of the water if you can for a rentalNew York has first time homebuyer mortgage programs (below market rates & flexible terms that might allow you to buy with less cash), some programs are more generous in certain areas that are economically disadvantaged.Check out New York's programs known as a SONYMA mortgage:https://hcr.ny.gov/sonymaThere are several options available if you qualify.  

He will know the numbers and be able to steer you towards  profit. 

It will steer you right, and with patience, can steer you into great future wealth. 

My mom called me last week when her car was at the shop and asked me since she was planning to get a new one soon, could she forgo both the steering rack and the airbag fix that was needed, I was like well you should replace both but having the having the combo of a car that's broken and has a failed airbg is a really bad combo.