Total annual income for all applicants meets the 3X requirement but the credit scores are 700, 595, and 545.

It also offers a chance to shift into something more passive, reducing the hands-on management that seems to be more of a hassle now that you’ve moved.That said, the rental income potential from your properties is worth noting, but there’s a limit to how much you can boost your cash flow, especially after already making significant upgrades.

You’ve already got a head start with hands on experience.. and you’re probably way more prepared than you think.That first property can feel both exhilarating and terrifying, so here’s what I’d focus on:Cash Flow & Analysis..

Hey @Chris GarnesI just came across your post, and it immediately reminded me of a project I handled with a colleague in San Diego, Dennis Bragg - https://www.biggerpockets.com/business/page/3607  - You’re sitting on some serious potential with these two properties, and your plan to step back from construction while finishing them makes total sense.For Home 1, with no mortgage and a prime design upgrade underway, you’ve got flexibility that most investors would envy.

But I did it pre inflation so the total cost was around $75K at the time. 

You absolutely want to be concerned with this.I would just argue what you're concerning yourself with today may be totally different in that 10-20 year period.

On the other hand, if you're working with a lower budget and cash flow is your priority, say under $180k, Cleveland is the place to look.

Imagine a welfare system that was centric to a hand UP. 

That’s $31,000 more—totally worth a little vacancy!

So many scams like this it's getting out of hand!