:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Aim for a 620+ credit score, save for a down payment, and research markets with strong rental demand.

When we did it, we did score some great deals, but what we found was that we were visiting so many properties to understand our "strike price" (the maximimum we would pay for the property when taking into account rehab costs, hold times, interest on any debt, closing costs, real estate commissions, a contingency reserve for "unexpecteds", etc) that the math started to not make as much sense.

I have $80k liquid in CDs and savings accounts in the bank and a credit score between 760 - 780.

Californians looking to buy a house face some of the country's most expensive real estate prices and wildfires that threaten scores of housing tracts.I saw an article a day or two ago saying car insurance would/was following suit. 

But it's extremely common here for new folks to come on BP with broad stroke questions, without realizing the forum is a searchable database of scores of common questions with a plethora of answers already posted.Mike

I have scores of posts on BP regarding this issue and HUD. 

Your credit limit on an unused card will not generally affect your scores.

.- get into real estate with a lower rate and lesser percentage down payment.

The website 51west.properties also scores low on scam advisor ("owner is using a service to hide their identity, high number of suspicious websites on the server, registrar has a high % of spammers and fraud sites, website is (very) young, website appears to be hosted by a company with a bad reputation", all according to https://www.scamadviser.com/check-website/51west.properties...)Trust your instincts.