@James WiseI’m just starting to dip my feet in REI, so my skills in terms of rehab and management are non-existent.

Your loan documents will spell out exactly what you can and can't do in terms of additional encumbrances. 

In terms of your question, as @Tarik Turner stated, you can bring on a partner or two or investors.

Everything is so overpriced I feel.She said she would tare up my contract and sent me an email stating her reason for cancelibg it and how I refused to listen to her.My first question is to ask if her word and that email is enough in terms of being legally binding?

(I’m aware of the strategies I’ll be taking in terms of increasing credit score through small credit card payments etc)For example, I live in NYC, a market that is infamous for being high-barrier entry, so I would mostly be looking at rental properties in the New Jersey area.

@Charles Mitchell There's no question that Huntsville is the far better choice in terms of population and job growth over the other markets that you've identified.

Houston neighborhoods are all over the place in terms of quality and location.

Maybe tell us your numbers a bit more in terms of what the appraiser thinks its worth, what you think it's worth, and what you need to cash out refi. 

I have my own thoughts already, but I’m curious what everyone thinks about this area, in terms of:1) rental demand2) future appreciation potential3) safety4) anything else to considerThanks in advance!

Ask them to size up each house in terms of how they would use it.