I've seen it with The Woodlands over the last 10 years and everyone is going North or West of Houston at this point.

That said, Kensington (north of Lehigh) is another world that I dont touch even though I have a property just south of lehigh in east Kensington (still some zombies) but has stayed rented with great tenants and no vacancy for 5 years.  

For example I just did a quick MLS search from Colfax north to Longmont, up to $550k.

Our partner lives in North Dakota, the STR is likely to be in Florida (I plan to shop after BPCon 2023) but we are planning for the LLC to be in CA due to their fee collection. 

I have a term sheet from North Prime Lending, but I have never used them.  

We bought a house in North Virginia in 2019 with a VA loan for $510,000 and zero down, at 2.875%.

Smaller renovated Lakewood two families (less than 2000 sq ft) can be bought under $200K (sometimes under $175K) but rents potential much lower (e g $900 vs $1200 a unit)Clifton Edgewater (west of West Blvd, north of Detroit) and Kamms (area just south of Lakewood) along with Lakewood have always been strong areas and are priced at/near Lakewood (and to some extent share the same tenant base).  

The 19134 zip code and other parts of North and West Philly offer properties at very affordable prices, but may have more challenges with tenant quality and vacancy rates.

i cannot vouch for Felipe either way as i do not know him nor the market.are you going to meetups? 

You only need 20% to qualify, along with a credit score typically north of 660.