@Alexandra Cernasov You might want to check Martindale's peer reviews of Aaron Thalwitzer, Esq before you hire him from Cocoa Beach to handle a case in Marion County. https://www.martindale.com/organization/gordon-thalwitzer-at...   

I have a W2 and can survive off it, so I never really needed my RE profits to spend on myself.

There are lenders out there spending a ton on advertising with an army of correspondent's funneling them loans and many can very well be one and done borrowers because the loan servicing/construction admin is lousy. 

Try "stayhikaru reviews."

An appraiser likely isn't going to spend time giving you much feedback in advance (unless you have a connection or they are super slow).   

If you’re in a market where you have to spend money on roofs, or exterior paint that’s ctainly you can save up for.

Review your score and take necessary step to improve it if you are at 650 or below.  

You want to have your financial house in order so you know what you CAN afford and what you SHOULD spend.

The more time you spend talking about other options and try to build up the negatives, the less time you are spending on what you fell are the positives of your own idea.If you believe that you are onto a great idea using L2P option contracts and forming partnerships where someone else provides 100% of the money while you provide 100% of the real estate-related functions, then start it up and make it work.  

This all comes down to how much you are looking to spend and the class of property/class of tenants you want to deal with.