Those are pretty standard operational expenses for a rental business from my perspective, but I'm not sure how the SBA would view them.

Putting all that in perspective means that we should all buy as much as humanly possible at an appropriate risk adjusted based levels, imo. 

I am interested to see what other peoples perspective is on this situation.

I am aware it is not good to jump on the defensive and to look at it from the landlord's perspective.

The biggest critique I feel like I’ve heard is that you’re using after tax dollars to repay pre tax dollars.I felt fine doing that- accessing money now rather than 3 decades later, and the interest charge goes to me.In my perspective, it’s another line to access capital.

Just from a cashflow perspective, (I'm obviously biased) take a look into Augusta, GA.  

The market has definitely cooled from a buyer’s perspective, I’m just wrapping up my first BRRRR in Chattanooga which I purchased a year ago, and now that I’m looking for more deals, there definitely seems to be fewer than there was 9-12 months ago.

I am a Real Estate Investor and Real Estate Agent in El Paso, TX, and I am shocked about what we are experiencing in our market in terms of house inventory.As of today 06/06, we have 2,373 on the market, 1851 are Active, 522 are Pending,To put things into perspective, we had 3200ish homes for sale last January.

That definitely gives me another perspective to think about.

I understand your perspective in finding a GC before identifying the house but this might be too pre mature.