It is a great starting point for what an area is like if you haven't been there before. https://www.areavibes.com/Its gives you a total livability score and helps understand a little bit about the area

Trying to understand taxes yourself can be quite the heavy burden. 

Hi Allen, there are plenty of hard money/private money lenders here on BP, just take your time and speak with several of them to understand all the fees and requirements.

I am not saying 25% threshold, I am saying they should work or have another solid way of income and can contribute a healthy portion of the rent. 

Yes but depending on the loan type they may want to understand what that payment is.

#LockItUp3️⃣ YOU’RE NOT ACTUALLY RESPONDING—YOU’RE JUST REPLYINGMost salespeople throw out responses instead of truly understanding sellers.

I don't know much about Ohio market, but I see everyone flocking there for section 8 income and that sounds wild to me as real wealth is build on long term appreciation of stable assets in solid areas.Don't fear the stability of a W2.

There are a lot of markets with solid job markets, strong populations, solid rent growth, but when you are talking ONE property, unless you are considering highly rural areas, it likely doesn't matter.  

Local references are invaluable because those lenders have proven themselves in your market.Work with Reputable Companies: Some well-known DSCR lenders with a solid reputation include Lima One Capital, LendingOne, Kiavi, RCN Capital, Visio Lending, and Easy Street Capital.

Look into local tax incentives and financing options, and reach out to local real estate groups or mentors to better understand the market.Good luck!