@Jaron WallingI always like think about the risk and reward of every decision, what am I missing or not thinking about, and the opportunity cost (what am I giving up/ missing out on if I make this choice).

Approximately 0.00% of my clients with $3,000,000 or $5,000,000 in personal mortgage debt have the day-job income to support it, half of them had a conversation with me where I went over what choice to pick for Schedule E in cases where your CPA gives you a choice between a few options that are all allowed by the tax code.If you are buying cashflow positive real estate, your DTI will actually go down over time.

He explains this choice gives a higher chance of getting an offer accepted.I have played around with the numbers (i.e. full list price with seller contributing full closing costs vs. lower list price and seller contributing less closing costs).

Why am I confident with this choice?

Hello friends I do wholesale real estate currently in Texas where the closing simply goes through our title company of choice, looking to move into NC though i am aware that the closing process includes an attorney.

This is a very popular question among the forum.

As for outside financing, I think that is a personal choice.

While no one holds a crystal ball, the choice to invest anywhere is often based on metrics. 

You obviously made the right choice.  

Spend the $100 to download a list from Listsource/Costar where you can set parameters of your choice (area, LTV, time in home, type of building,...etc).