I personally would focus more on the numbers than the vehicle.

So, good news is that you're already all set with a great mortgage relative to what you'd get today.Bad news is another 500 people in the mortgage industry that always focused on rate/term refinances, rather than purchase business, just lost their jobs, because you are far from the only one in that position. 

I am focused in Dayton and Cincinnati OH markets.

That was one of the areas we were focusing on and loved the street because coincidentally our family friend who was our real estate agent lived on the same street about 10 blocks away.We went to visit the house and there were already 30+ offers mostly cash and over asking!  

When talking to the bank I have been focusing on debt service ratio, NOI, Cap Rate and the like.  

I am so focused on the wholesale side and I am just trying to change the way I look at deals a little to fit the wholetailing side. 

@Troy SchwambergerI forgot to mention that most people want to make at least $100 per unit or more after all expenses especially in areas like the Midwest where you usually don’t see appreciation and focus more on cash flow. 

Owner of a property in each city and now focused on investment opportunities with upside (renovations, change of use, working thru legal issues, etc.). 

I would focus on the fact tenants are usually responsible for their own cockroach problem.

I've got a decent plan in place to make that goal a reality, but know I'm very fresh to the world of REI, so I am leaving myself open to all avenues and opportunities of investing.I am focusing on SFR and multi-family properties, and although the first two needed minimal work, I am looking more into Fix and Flip and BRRRRs for my next deals.