I’ll also connect with locals through BiggerPockets or Facebook groups for first-hand insights.If visiting isn’t an option, lean on a reliable local team (agents, property managers) to help vet the area.

If the owner submits a completed application before the servicer starts the state foreclosure process, the servicer can't foreclose until the following occurs:the borrower doesn’t qualify for, or rejects, the lender’s loss mitigation options, orthe borrower accepts a loss mitigation offer but fails to fulfill its requirements."

Through my research, it says that Cleveland and Toledo are both good options for real estate investing.

My agent is saying that we are unable to split the contract that way (or reduce the purchase price), so I'm trying to figure out options.

If you move, renting in NYC and buying an out-of-state property could work, but make sure you have a solid plan for managing it.If you stay, buying in an affordable market and living there for a while could be a good option.

We get just as frustrated because the system is a bit "broken":(I believe the team is in communication with you about your options - just be sure to also let us know your choice to secure the property to deter squatters as cost-effectively as possible.

With your income and the option to use an FHA loan, buying a home could be a smart move, especially if you plan to rent it out later.

Another option is to put an electronic deadbolt on the front door with a non-locking door knob.

Your best and most efficient option would be a DSCR cashout refinance, more than likely.

Another option would be to sell, reinvest into a house hack and use the excess on a deal.