Quote from @Brendan Jones: For the homes, and or properties that you will use as a primary or a rental property one big thing I look for is infrastructure in the area, extrinsic value (I.e. hospitals in the area, schools, and job market), and the last thing is creature comforts for people (I.e. is a store to get groceries 1 hour away or 2 minutes away).

I had a similar strategy with my first few house hacks: buy in great A & B Chicago neighborhoods....get by with minimum cash flow, and wait...What's your plan for the next purchase Michael?

Maybe the AI can keep you from calling people on the no call list and violating the law?

Instead of stressing over timing it perfectly, focus on making sure the deal still works even if rates shift.Since you’re buying in Norfolk, check if lenders there offer any investor-friendly incentives.

I would continue to put offers out, continue sending letters, doing calls and networking. 3,000 letters with a 2% response rate is not bad but you have to do volume with letters, most people that do that strategy are sending out a ton of letters.

Looking for recommendations from people who have personally used a specific lender and had good experience.

I am also still buying flips/LTR..

Many times a lender buys a property back at a sheriff's sale/auction where they are selling properties as part of a foreclosure.

Don't let people trying to make money off you try to scare you. 

Even disabled people are required to pay their bills.If they wanted to make two payments a month, they should have brought that up before the eviction.