I do not care what the source of the return is  Historically the highest return is via a value add and appreciation and is more so recently due to the recent rate increase versus earlier this century (before 2022).However, most new RE investors cannot handle extended periods of large negative cash flow.  

Different lenders can view income in various ways depending on who you speak with.

Here’s an example of what I’m speaking of.

I do think this bill will have a big negative impact on tourism in Summit County.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Vanessa, If you choose the seller financed route, you could potentially continue investing under the bank's stringent debt-to-income radar, so to speak.

With 5% down payments and all the expenses deducted, there seem to have close negative/only around $100 cash flow each month.

I cant speak for every deal they have ever done, but I will say that any deals That I was involved in with safeguard and there was any issue whatsoever they jumped in and worked diligently to solve the issue as if it was there own money. 

Good luck getting that info from the guys who don’t speak English who cut down your trees for $1200. lol Not many people follow rules on anything, so?

Each of those cities have their own pros and cons but I can speak to the Columbus market.